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INSERT INTO `bak_zbk92_content` (`id`, `asset_id`, `title`, `alias`, `introtext`, `fulltext`, `state`, `catid`, `created`, `created_by`, `created_by_alias`, `modified`, `modified_by`, `checked_out`, `checked_out_time`, `publish_up`, `publish_down`, `images`, `urls`, `attribs`, `version`, `ordering`, `metakey`, `metadesc`, `access`, `hits`, `metadata`, `featured`, `language`, `xreference`) VALUES (1,59,'Welcome to the National credit Regulator','welcomet-to-ncr','<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.</p>\r\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.</p>\r\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act</p>','',1,2,'2019-01-23 15:16:33',723,'','2019-01-29 12:39:45',723,0,'0000-00-00 00:00:00','2019-01-23 15:16:33','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\",\"spfeatured_image\":\"\",\"post_format\":\"standard\",\"gallery\":\"\",\"audio\":\"\",\"video\":\"\",\"link_title\":\"\",\"link_url\":\"\",\"quote_text\":\"\",\"quote_author\":\"\",\"post_status\":\"\"}',5,1,'','',1,3,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',1,'*',''),(2,66,'KNOW YOUR RIGHTS - DO NOT TO PAY ANY UPFRONT FEES','credit-extension-slows-down','<p><!--<img src=\"images/bad-debt.jpg\" alt=\"\" /> -->The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to March 2018.</p>\r\n<p>The Chief Executive Officer (CEO) of the NCR Ms Nomsa Motshegare, announced that the latest statistics for the quarter ended March 2018 indicate that new credit granted to consumers decreased by 10.38%. The total value of new credit granted decreased quarter-on-quarter from R135.71 billion to R121.62 billion. The number of applications for credit increased by 0.04% quarter-on-quarter from 10.48 million in December 2017 to 10.49 million in March 2018. <br />The following were some of the most significant trends observed in terms of credit granted for the quarter ended March 2018:</p>\r\n<ul>\r\n<li>The value of new mortgages granted decreased by R5.94 billion (14.36%) quarter-on-quarter, but increased by R1.13 billion (3.29%) year-on-year.</li>\r\n<li>Secured credit which is dominated by vehicle finance, decreased by R4.89 billion (10.54%) quarter-on-quarter, but increased by R2.66 billion (6.86%) year-on-year.</li>\r\n<li>Credit facilities decreased by R788.09 million (4.50%) quarter-on-quarter, but increased by R1.40 billion (9.11%) year-on year.</li>\r\n<li>Unsecured credit decreased by R1.84 billion (7.34%) quarter-on-quarter, but increased by R3.16 billion (15.75%) year-on-year.</li>\r\n</ul>\r\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2018 was R1.78 trillion, representing an increase of 1.26% quarter-on-quarter and 4.04% year-on-year. The trends for outstanding balances for the quarter ended March 2018 were as follows:</p>\r\n<ul>\r\n<li>Mortgages debtors book increased by R9.67 billion (1.07%) quarter on quarter and by R29.72 billion (3.36%) year-on-year.</li>\r\n<li>Secured credit debtors book increased by R6.04 billion (1.48%) quarter on quarter and by R23.17 billion (5.95%) year-on-year.</li>\r\n<li>Credit facilities debtors book increased by R2.59 billion (1.14%) quarter on quarter and by R6.16 billion (2.75%) year-on-year.</li>\r\n<li>Unsecured credit debtors book increased by R2.77 billion (1.63%) quarter on quarter and by R6.82 billion (4.11%) year-on-year.</li>\r\n</ul>\r\n<p>Credit bureaus held records for 25.46 million credit-active consumers, which showed an increase of 0.59% when compared to the 25.31 million in the previous quarter. Consumers classified in good standing increased by 152,320 to 15.77 million consumers. This amounts to 61.93% of the total number of credit-active consumers, an increase of 0.24% quarter-on-quarter and 1.19% year-on-year. The number of credit active accounts decreased from 79.49 million to 79.08 million in the quarter ended March 2018. The number of impaired accounts has decreased from 19.84 million (24.96%) to 19.42 million (24.55%) when compared to December 2017, a decrease of 426,000 quarter-on-quarter and 286,000 year-on-year.</p>\r\n<p>The number of enquiries made on consumer credit records was 439.69 million, this was an decrease of 17.06% quarter-on-quarter but an increase of 0.74% year-on-year. Consumer initiated enquiries accounted for 24.29 million of all enquiries, an increase of 1.28% quarter-on-quarter and 31.40% year-on-year. The number of credit reports issued to consumers increased from 152,690 in the previous quarter to 196,920. A total 117,272 (59.55%) credit reports were issued without charge, and the remaining 79,648 (40.45%) were issued with charge. There were 30,853 disputes lodged on information held on consumer credit records for the quarter ended March 2018, a decrease of 5.09% quarter-on-quarter and 20.65% year-on-year.</p>\r\n<p>Nomsa Motshegare, CEO at the NCR encourages consumers to get a copy of their credit reports and take control of their credit profiles and finances. Consumers must take note that they are entitled to one free credit report from all registered credit bureaus once a year. She advises consumers to lodge complaints with relevant credit bureaus, should there be erroneous information on their credit reports. Inaccurate consumer credit profiles may lead to the decline of consumers’ application for credit when it should rightfully be approved, concludes Motshegare.</p>','',1,8,'2019-01-23 16:01:30',723,'','2019-01-24 12:26:38',723,0,'0000-00-00 00:00:00','2019-01-23 16:01:30','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\",\"spfeatured_image\":\"\",\"post_format\":\"standard\",\"gallery\":\"\",\"audio\":\"\",\"video\":\"\",\"link_title\":\"\",\"link_url\":\"\",\"quote_text\":\"\",\"quote_author\":\"\",\"post_status\":\"\"}',4,3,'','',1,2,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(3,67,'If you have to borrow, borrow wisely!','if-you-have-to-borrow-borrow-wisely','<p><!--<img src=\"images/credit-bureau267.jpg\" alt=\"\" />-->The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.</p>\r\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers / accounts that are three or more months in arrears.</p>\r\n<p>“Consumers who need to borrow money to get by should only borrow from registered credit providers”, says Sebothoma. “They should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers”, he adds. It is a criminal offence for a credit provider to take and retain consumers’ instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.</p>\r\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.</p>\r\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.</p>\r\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.</p>\r\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer’s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.</p>','',1,8,'2019-01-24 08:39:19',723,'','2019-01-29 12:55:27',723,0,'0000-00-00 00:00:00','2019-01-24 08:39:19','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\",\"spfeatured_image\":\"\",\"post_format\":\"standard\",\"gallery\":\"\",\"audio\":\"\",\"video\":\"\",\"link_title\":\"\",\"link_url\":\"\",\"quote_text\":\"\",\"quote_author\":\"\",\"post_status\":\"\"}',8,2,'','',1,60,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(4,68,'National Credit Regulator issues a public warning against fake loan scams ','national-credit-regulator-issues-a-public-warning-against-fake-loan-scams','<p><!--<img src=\"images/images.jpg\" alt=\"\" />-->[<b>JOHANNESBURG</b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.</p>\r\n<p>These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as “blacklisted” or “debt review clients welcome” says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR. </p>\r\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.  This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added. </p>','',1,8,'2019-01-24 08:40:08',723,'','2019-01-24 08:51:27',723,0,'0000-00-00 00:00:00','2019-01-24 08:40:08','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\",\"spfeatured_image\":\"\",\"post_format\":\"standard\",\"gallery\":\"\",\"audio\":\"\",\"video\":\"\",\"link_title\":\"\",\"link_url\":\"\",\"quote_text\":\"\",\"quote_author\":\"\",\"post_status\":\"\"}',3,1,'','',1,0,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(5,75,'CONSUMER CREDIT HEALTH IMPROVES ','consumer-credit-health-improves','<p><!--<img src=\"images/credit rep.jpg\" alt=\"\" width=\"443\" height=\"295\" /> -->April 2018 Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit</p>','',1,8,'2019-01-24 12:18:07',723,'','2019-01-24 12:34:34',723,0,'0000-00-00 00:00:00','2019-01-24 12:18:07','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\",\"spfeatured_image\":\"\",\"post_format\":\"standard\",\"gallery\":\"\",\"audio\":\"\",\"video\":\"\",\"link_title\":\"\",\"link_url\":\"\",\"quote_text\":\"\",\"quote_author\":\"\",\"post_status\":\"\"}',3,0,'','',1,0,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(6,76,'Lobortis metus mauris at nibh','lobortis-metus-mauris-at-nibh','<p class=\"sp-dropcap\">lacinia; sapien in volutpat mattis, eros arcu rhoncus erat.</p>\r\n<p>Iaculis sodales ante massa lobortis arcu. 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This module is based on Jssor jQuery Slider - is announced as one of the best performance sliders. This Image slideshow module can be used on your home page of the website to showcase products, services and works of your organization or company.<br>\\n\\t\\t<strong>VinaGecko.com<\\/strong> - Premium <a href=\\\"http:\\/\\/vinagecko.com\\/joomla-modules\\\" target=\\\"_blank\\\">Joomla Modules<\\/a>, <a href=\\\"http:\\/\\/vinagecko.com\\/joomla-plugins\\\" target=\\\"_blank\\\">Joomla Plugins<\\/a>, <a href=\\\"http:\\/\\/vinagecko.com\\/joomla-templates\\\" target=\\\"_blank\\\">Joomla Templates<\\/a>.\\n\\t\\t<\\/div>\\n\\t\",\"group\":\"\",\"filename\":\"mod_vina_jssor_image_slider\"}','{\"layout\":\"default\",\"maxWidth\":\"600\",\"maxHeight\":\"300\",\"scaleSlider\":\"600\",\"resizeImage\":\"1\",\"imageTransitions\":\"1\",\"thumbnailImageWidth\":\"60\",\"thumbnailImageHeight\":\"30\",\"autoPlay\":\"1\",\"autoPlayInterval\":\"4000\",\"pauseOnHover\":\"0\",\"arrowKeyNavigation\":\"1\",\"slideDuration\":\"500\",\"playOrientation\":\"1\",\"dragOrientation\":\"1\",\"displayCaptions\":\"1\",\"captionTransitions\":\"1\",\"playInMode\":\"1\",\"playOutMode\":\"3\",\"chanceToShow\":\"2\",\"autoCenter\":\"0\",\"navOrientation\":\"1\",\"directionArrow\":\"1\",\"copyRightText\":\"0\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\"}','','',0,'0000-00-00 00:00:00',0,0),(10003,0,'mod_outsmartitowl','module','mod_outsmartitowl','',0,1,0,0,'{\"name\":\"mod_outsmartitowl\",\"type\":\"module\",\"creationDate\":\"June 2017\",\"author\":\"Diederik\",\"copyright\":\"Copyright (C) 2005 - 2017 Open Source Matters. 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All rights reserved.\",\"authorEmail\":\"admin@joomla.org\",\"authorUrl\":\"www.joomla.org\",\"version\":\"1.1.1\",\"description\":\"PLG_INSTALLER_WEBINSTALLER_XML_DESCRIPTION\",\"group\":\"\",\"filename\":\"webinstaller\"}','{\"tab_position\":\"0\"}','','',0,'0000-00-00 00:00:00',0,0),(10009,0,'Helix V2 Shortcode Generator','plugin','helix_shortcode','editors-xtd',0,1,1,0,'{\"name\":\"Helix V2 Shortcode Generator\",\"type\":\"plugin\",\"creationDate\":\"June 2014\",\"author\":\"JoomShaper.com\",\"copyright\":\"Copyright (C) 2010 - 2015 JoomShaper.com. All rights reserved.\",\"authorEmail\":\"support@joomshaper.com\",\"authorUrl\":\"http:\\/\\/www.joomshaper.com\",\"version\":\"2.5\",\"description\":\"Helix V2 Shortcode Generator\",\"group\":\"\",\"filename\":\"helix_shortcode\"}','{}','','',0,'0000-00-00 00:00:00',0,0),(10010,0,'shaper_helix_ii','template','shaper_helix_ii','',0,1,1,0,'{\"name\":\"shaper_helix_ii\",\"type\":\"template\",\"creationDate\":\"Feb 2013\",\"author\":\"JoomShaper.com\",\"copyright\":\"Copyright (C) 2010 - 2017 JoomShaper.com. All rights reserved.\",\"authorEmail\":\"support@joomshaper.com\",\"authorUrl\":\"http:\\/\\/www.joomshaper.com\",\"version\":\"2.5\",\"description\":\"\\n\\t\\t\\n\\t\\t\\tShaper Helix \\u2013 II is the default\\/blank template of Helix Framework version 2.<br \\/>\\n\\t\\t\\tThis template has all the in built functionality of Helix 2.0. Helix - II comes with tons of shortcode such for video, gallery, slideshow, tabs, accordion etc.\\n\\t\\t\\tHelix 2.0 especially comes with rich administration features such as logo settings, masterpiece layout builder,\\n\\t\\t\\tmega menu, unlimited fonts control, Google analytics,\\n\\t\\t\\tLess complitation and all types of presets control like header color, link color, background color so on.\\n\\t\\t\\tNow you don\\u2019t need to worry about its speed. The built-in css and javascript compresses\\n\\t\\t\\tused by Helix to provide optimal performance.\\n\\t\\t\\t<h3>Key Features<\\/h3>\\n\\t\\t\\t<ul class=\\\"arrow\\\">\\n\\t\\t\\t\\t<li>Unlimited module positions with the power of unique layout builder<\\/li>\\n\\t\\t\\t\\t<li>Powered by Bootstrap and compatible with Joomla 2.5 and 3.0<\\/li>\\n\\t\\t\\t\\t<li>Three (3) presets with presets manager<\\/li>\\n\\t\\t\\t\\t<li>Uses latest web technologies like html5 and css3<\\/li>\\n\\t\\t\\t\\t<li>Tons of shortcodes in built<\\/li>\\n\\t\\t\\t\\t<li>Built with LESS CSS<\\/li>\\n\\t\\t\\t\\t<li>Megamenu, RTL Support, CSS and JS compression and many more...<\\/li>\\n\\t\\t\\t<\\/ul>\\n\\t\\t\\n\\t\",\"group\":\"\",\"filename\":\"templateDetails\"}','{\"layout_width\":\"1170\",\"layout_type\":\"responsive\",\"logo_type\":\"image\",\"logo_position\":\"logo\",\"logo_type_text\":\"Helix\",\"logo_type_slogan\":\"Joomla! 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All Rights Reserved.\",\"show_helix_logo\":\"1\",\"jcredit\":\"1\",\"credit_link\":\"1\",\"credit_text\":\"Designed by {JoomShaper}\",\"validator\":\"0\",\"showtop\":\"1\",\"totop_position\":\"footer2\",\"preset\":\"preset1\",\"preset1_header\":\"#f8f8f8\",\"preset1_bg\":\"#f2f2f2\",\"preset1_text\":\"#666666\",\"preset1_link\":\"#22b8f0\",\"preset2_header\":\"#eeeeee\",\"preset2_bg\":\"#f5f5f5\",\"preset2_text\":\"#444444\",\"preset2_link\":\"#6d7f1b\",\"preset3_header\":\"#e5ddd5\",\"preset3_bg\":\"#f2f2f2\",\"preset3_text\":\"#333333\",\"preset3_link\":\"#aa824a\",\"menu\":\"mainmenu\",\"menutype\":\"mega\",\"menu_col_width\":\"200\",\"show_menu_image\":\"1\",\"menu_image_position\":\"1\",\"submenu_position\":\"0\",\"init_x\":\"0\",\"init_y\":\"0\",\"sub_x\":\"0\",\"sub_y\":\"0\",\"body_font\":\"\",\"header_font\":\"\",\"header_selectors\":\"\",\"other_font\":\"\",\"cache_time\":\"60\",\"compress_css\":\"0\",\"compress_js\":\"0\",\"enable_ga\":\"0\",\"ga_code\":\"\",\"loadjquery\":\"0\",\"loadfromcdn\":\"0\",\"lessoption\":\"1\",\"hide_component_area\":\"0\"}','','',0,'0000-00-00 00:00:00',0,0),(10011,0,'Vina_Royal_II','template','vina_royal_ii','',0,1,1,0,'{\"name\":\"Vina_Royal_II\",\"type\":\"template\",\"creationDate\":\"April 02, 2014\",\"author\":\"VinaGecko.com\",\"copyright\":\"Copyright (coffee) 2010 - 2014 VinaGecko.com. All rights reserved.\",\"authorEmail\":\"support@vinagecko.com\",\"authorUrl\":\"http:\\/\\/VinaGecko.com\",\"version\":\"1.3\",\"description\":\"\\n\\t\\t\\n\\t\\t\\t<strong>Vina Royal<\\/strong> is one of a kind magnificent Joomla! Template, where the beauty of the template is as great as its layout. Enriched with carefully thought and picked content and menu positions that are fully customizable to any well established or a startup business. With its responsive Liquid layout the template will look as great whether viewed on a high or low screen resolution. Three Presets fully adjustable in the backend with unlimited colors, allowing for adjusting your theme with ease to suit your establishment. Included is an easy Quick Start Package that will simplify installation and refinement even to the novice.<br \\/><br \\/>\\n\\t\\t\\t<strong>Vina Royal II<\\/strong> is the upgraded version of Vina Royal for Joomla 3 with many new features: Helix Framework inside, Responsive Layout, Shortcode, support RTL languages ... and totally FREE!\\n\\t\\t\\t<h3>Main Features<\\/h3>\\n\\t\\t\\t<ul class=\\\"arrow\\\">\\n\\t\\t\\t\\t<li>Responsive Design: This means that you only need one template for the desktop, iPad, iPhone and other mobile devices.<\\/li>\\n\\t\\t\\t\\t<li>Mega Menu: allows you to display a ton of content in menu item including text, images, module and articles.\\n- 3 Presets: Users can decorate their websites selecting 3 styles that Our Templates offers. It\'s too much easy now for coloring of the website from now!<\\/li>\\n\\t\\t\\t\\t<li>Shortcode Support: Useful Shortcode installed by using which anybody can add lots of extra features on website without coding knowledge.<\\/li>\\n\\t\\t\\t\\t<li>Layout Builder: Allows anyone to customize the existing theme in any shape or dimensions without having any programming language!<\\/li>\\n\\t\\t\\t\\t<li>RTL Language Support: Supports RTL (Right to Left) Language based Designs like Arabic, Farsi & Hebrew.<\\/li>\\n\\t\\t\\t\\t<li>HTML5 Base Template: We brought HTML5 in Our Templates to make elegant, modern and SEO friendly website that would be fully functional & represents awesome typography.<\\/li>\\n\\t\\t\\t\\t<li>Rich typography: Advanced Typography based on Bootstrap would enable you styling your Tables, Forms, and Buttons along with other elements to make your website more beautiful.<\\/li>\\t\\t\\t\\t\\n\\t\\t\\t\\t<li>Built With Less CSS: You can reduce over requests to browsers while making CSS development and it makes your whole website more powerful and speedier than ever.<\\/li>\\t\\t\\t\\t\\n\\t\\t\\t\\t<li>Use Helix Framework: Helix Framework is one of the best light and feature rich responsive framework for Joomla Templating.<\\/li>\\t\\t\\t\\t\\n\\t\\t\\t\\t<li>Premium Extensions: We build versatile and flexible Extensions that effortlessly fit with Joomla Templates.<\\/li>\\n\\t\\t\\t<\\/ul>\\n\\t\\t\\n\\t\",\"group\":\"\",\"filename\":\"templateDetails\"}','{\"layout_width\":\"1170\",\"layout_type\":\"responsive\",\"logo_type\":\"image\",\"logo_position\":\"logo\",\"logo_type_text\":\"Helix\",\"logo_type_slogan\":\"Joomla! Templates Framework\",\"logo_width\":\"390\",\"logo_height\":\"64\",\"footer_position\":\"footer1\",\"showcp\":\"1\",\"copyright\":\"Copyright \\u00a9  {year} Vina Royal II. 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00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(95,64,'Latest News','','',1,'position6',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 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details','','<p style=\"color: #fff;\"><strong>Physical Address </strong><br /> 127 - 15th Road<br /> Randjespark<br /> Midrand<br /> 1683</p>\r\n<p style=\"color: #fff;\"><strong>Call Centre</strong><br /> 0860 627 62</p>\r\n<p style=\"color: #fff;\"><strong>Telephone</strong><br /> 011 554 2600</p>',1,'bottom1',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(97,70,'NCR Publications','','<p style=\"color: #fff;\">Annual Reports<br /> Credit Bureau Monitor (CBM)<br /> Consumer Credit Market Report (CCMR)<br /> Circulars<br /> Public Notices<br />Educational Information And Brochures <br />Newsletter<br />Legislation</p>',1,'bottom2',0,'0000-00-00 00:00:00','0000-00-00 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INSERT INTO `bak_zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (1,1,1,'','2019-01-23 15:16:33',723,2739,'bb7c24cae8e5f90c5f3752f628e04eecf0ca1ef2','{\"id\":1,\"asset_id\":59,\"title\":\"Welcomet to NCR\",\"alias\":\"welcomet-to-ncr\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-01-23 15:16:33\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-23 15:16:33\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-23 15:16:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(2,1,1,'','2019-01-23 15:23:50',723,2758,'324bf74550c53206a1d3b306ca8a8d2f86b6928d','{\"id\":1,\"asset_id\":\"59\",\"title\":\"Welcomet to NCR\",\"alias\":\"welcomet-to-ncr\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-01-23 15:16:33\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-23 15:23:50\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-23 15:23:41\",\"publish_up\":\"2019-01-23 15:16:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(3,8,5,'','2019-01-23 16:00:07',723,559,'c677555c06e076a9c03deb524280dee90b127cf8','{\"id\":8,\"asset_id\":65,\"parent_id\":\"1\",\"lft\":\"11\",\"rgt\":12,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Latest news\",\"alias\":\"latest-news\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"723\",\"created_time\":\"2019-01-23 16:00:07\",\"modified_user_id\":null,\"modified_time\":\"2019-01-23 16:00:07\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(4,2,1,'','2019-01-23 16:01:30',723,6429,'1b6959b8db56d84b8309a1e21c9bc71d4ee7bbdf','{\"id\":2,\"asset_id\":66,\"title\":\"Credit extension slows down\",\"alias\":\"credit-extension-slows-down\",\"introtext\":\"<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to March 2018.<\\/p>\\r\\n<p>The Chief Executive Officer (CEO) of the NCR Ms Nomsa Motshegare, announced that the latest statistics for the quarter ended March 2018 indicate that new credit granted to consumers decreased by 10.38%. The total value of new credit granted decreased quarter-on-quarter from R135.71 billion to R121.62 billion. The number of applications for credit increased by 0.04% quarter-on-quarter from 10.48 million in December 2017 to 10.49 million in March 2018.\\u00a0<br \\/>The following were some of the most significant trends observed in terms of credit granted for the quarter ended March 2018:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R5.94 billion (14.36%) quarter-on-quarter, but increased by R1.13 billion (3.29%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R4.89 billion (10.54%) quarter-on-quarter, but increased by R2.66 billion (6.86%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R788.09 million (4.50%) quarter-on-quarter, but increased by R1.40 billion (9.11%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R1.84 billion (7.34%) quarter-on-quarter, but increased by R3.16 billion (15.75%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2018 was R1.78 trillion, representing an increase of 1.26% quarter-on-quarter and 4.04% year-on-year. The trends for outstanding balances for the quarter ended March 2018 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R9.67 billion (1.07%) quarter on quarter and by R29.72 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R6.04 billion (1.48%) quarter on quarter and by R23.17 billion (5.95%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R2.59 billion (1.14%) quarter on quarter and by R6.16 billion (2.75%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R2.77 billion (1.63%) quarter on quarter and by R6.82 billion (4.11%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 25.46 million credit-active consumers, which showed an increase of 0.59% when compared to the 25.31 million in the previous quarter. Consumers classified in good standing increased by 152,320 to 15.77 million consumers. This amounts to 61.93% of the total number of credit-active consumers, an increase of 0.24% quarter-on-quarter and 1.19% year-on-year. The number of credit active accounts decreased from 79.49 million to 79.08 million in the quarter ended March 2018. The number of impaired accounts has decreased from 19.84 million (24.96%) to 19.42 million (24.55%) when compared to December 2017, a decrease of 426,000 quarter-on-quarter and 286,000 year-on-year.<\\/p>\\r\\n<p>The number of enquiries made on consumer credit records was 439.69 million, this was an decrease of 17.06% quarter-on-quarter but an increase of 0.74% year-on-year. Consumer initiated enquiries accounted for 24.29 million of all enquiries, an increase of 1.28% quarter-on-quarter and 31.40% year-on-year. The number of credit reports issued to consumers increased from 152,690 in the previous quarter to 196,920. A total 117,272 (59.55%) credit reports were issued without charge, and the remaining 79,648 (40.45%) were issued with charge. There were 30,853 disputes lodged on information held on consumer credit records for the quarter ended March 2018, a decrease of 5.09% quarter-on-quarter and 20.65% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, CEO at the NCR encourages consumers to get a copy of their credit reports and take control of their credit profiles and finances. Consumers must take note that they are entitled to one free credit report from all registered credit bureaus once a year. She advises consumers to lodge complaints with relevant credit bureaus, should there be erroneous information on their credit reports. Inaccurate consumer credit profiles may lead to the decline of consumers\\u2019 application for credit when it should rightfully be approved, concludes Motshegare.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-23 16:01:30\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-23 16:01:30\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-23 16:01:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(5,3,1,'','2019-01-24 08:39:19',723,5621,'d920206ea709e99c699e709cbee14b14c196db65','{\"id\":3,\"asset_id\":67,\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:39:19\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:39:19\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-24 08:39:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(6,4,1,'','2019-01-24 08:40:08',723,3028,'d8c909b981101f3868a341c3b1e7f54e41c9734a','{\"id\":4,\"asset_id\":68,\"title\":\"National Credit Regulator issues a public warning against fake loan scams \",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:40:08\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:40:08\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-24 08:40:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(7,3,1,'','2019-01-24 08:44:25',723,5684,'963832aa097d08403cb18d41ade1b3fe87826519','{\"id\":3,\"asset_id\":\"67\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><img src=\\\"images\\/buyers.jpg\\\" alt=\\\"\\\" \\/>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:39:19\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:44:25\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 08:43:21\",\"publish_up\":\"2019-01-24 08:39:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(8,3,1,'','2019-01-24 08:44:56',723,5691,'4d425072b7c8a6bd4ca240ba4da39d5e8110ef69','{\"id\":3,\"asset_id\":\"67\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><!--<img src=\\\"images\\/buyers.jpg\\\" alt=\\\"\\\" \\/>-->The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:39:19\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:44:56\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 08:44:25\",\"publish_up\":\"2019-01-24 08:39:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(9,2,1,'','2019-01-24 08:49:33',723,6502,'78a208e34570c036b7be9e5d91d76ca2d7e76f0b','{\"id\":2,\"asset_id\":\"66\",\"title\":\"Credit extension slows down\",\"alias\":\"credit-extension-slows-down\",\"introtext\":\"<p><!--<img src=\\\"images\\/bad-debt.jpg\\\" alt=\\\"\\\" \\/> -->The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to March 2018.<\\/p>\\r\\n<p>The Chief Executive Officer (CEO) of the NCR Ms Nomsa Motshegare, announced that the latest statistics for the quarter ended March 2018 indicate that new credit granted to consumers decreased by 10.38%. The total value of new credit granted decreased quarter-on-quarter from R135.71 billion to R121.62 billion. The number of applications for credit increased by 0.04% quarter-on-quarter from 10.48 million in December 2017 to 10.49 million in March 2018.\\u00a0<br \\/>The following were some of the most significant trends observed in terms of credit granted for the quarter ended March 2018:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R5.94 billion (14.36%) quarter-on-quarter, but increased by R1.13 billion (3.29%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R4.89 billion (10.54%) quarter-on-quarter, but increased by R2.66 billion (6.86%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R788.09 million (4.50%) quarter-on-quarter, but increased by R1.40 billion (9.11%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R1.84 billion (7.34%) quarter-on-quarter, but increased by R3.16 billion (15.75%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2018 was R1.78 trillion, representing an increase of 1.26% quarter-on-quarter and 4.04% year-on-year. The trends for outstanding balances for the quarter ended March 2018 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R9.67 billion (1.07%) quarter on quarter and by R29.72 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R6.04 billion (1.48%) quarter on quarter and by R23.17 billion (5.95%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R2.59 billion (1.14%) quarter on quarter and by R6.16 billion (2.75%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R2.77 billion (1.63%) quarter on quarter and by R6.82 billion (4.11%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 25.46 million credit-active consumers, which showed an increase of 0.59% when compared to the 25.31 million in the previous quarter. Consumers classified in good standing increased by 152,320 to 15.77 million consumers. This amounts to 61.93% of the total number of credit-active consumers, an increase of 0.24% quarter-on-quarter and 1.19% year-on-year. The number of credit active accounts decreased from 79.49 million to 79.08 million in the quarter ended March 2018. The number of impaired accounts has decreased from 19.84 million (24.96%) to 19.42 million (24.55%) when compared to December 2017, a decrease of 426,000 quarter-on-quarter and 286,000 year-on-year.<\\/p>\\r\\n<p>The number of enquiries made on consumer credit records was 439.69 million, this was an decrease of 17.06% quarter-on-quarter but an increase of 0.74% year-on-year. Consumer initiated enquiries accounted for 24.29 million of all enquiries, an increase of 1.28% quarter-on-quarter and 31.40% year-on-year. The number of credit reports issued to consumers increased from 152,690 in the previous quarter to 196,920. A total 117,272 (59.55%) credit reports were issued without charge, and the remaining 79,648 (40.45%) were issued with charge. There were 30,853 disputes lodged on information held on consumer credit records for the quarter ended March 2018, a decrease of 5.09% quarter-on-quarter and 20.65% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, CEO at the NCR encourages consumers to get a copy of their credit reports and take control of their credit profiles and finances. Consumers must take note that they are entitled to one free credit report from all registered credit bureaus once a year. She advises consumers to lodge complaints with relevant credit bureaus, should there be erroneous information on their credit reports. Inaccurate consumer credit profiles may lead to the decline of consumers\\u2019 application for credit when it should rightfully be approved, concludes Motshegare.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-23 16:01:30\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:49:33\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 08:48:43\",\"publish_up\":\"2019-01-23 16:01:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(10,4,1,'','2019-01-24 08:51:27',723,3098,'e3b07352baace986b39669dfe8aa7ba3de791203','{\"id\":4,\"asset_id\":\"68\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams \",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p><!--<img src=\\\"images\\/images.jpg\\\" alt=\\\"\\\" \\/>-->[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:40:08\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 08:51:27\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 08:50:42\",\"publish_up\":\"2019-01-24 08:40:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(11,5,1,'','2019-01-24 12:18:07',723,2297,'83226974563909b8731a466758829f48397b61b9','{\"id\":5,\"asset_id\":75,\"title\":\"CONSUMER CREDIT HEALTH IMPROVES \",\"alias\":\"consumer-credit-health-improves\",\"introtext\":\"<p>April 2018 Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 12:18:07\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 12:18:07\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-24 12:18:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(12,2,1,'','2019-01-24 12:20:02',723,6524,'e61076d68e36f1515ea3f6bd22364f8ed407ac03','{\"id\":2,\"asset_id\":\"66\",\"title\":\"KNOW YOUR RIGHTS - DO NOT TO PAY ANY UPFRONT FEES\",\"alias\":\"credit-extension-slows-down\",\"introtext\":\"<p><!--<img src=\\\"images\\/bad-debt.jpg\\\" alt=\\\"\\\" \\/> -->The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to March 2018.<\\/p>\\r\\n<p>The Chief Executive Officer (CEO) of the NCR Ms Nomsa Motshegare, announced that the latest statistics for the quarter ended March 2018 indicate that new credit granted to consumers decreased by 10.38%. The total value of new credit granted decreased quarter-on-quarter from R135.71 billion to R121.62 billion. The number of applications for credit increased by 0.04% quarter-on-quarter from 10.48 million in December 2017 to 10.49 million in March 2018.\\u00a0<br \\/>The following were some of the most significant trends observed in terms of credit granted for the quarter ended March 2018:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R5.94 billion (14.36%) quarter-on-quarter, but increased by R1.13 billion (3.29%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R4.89 billion (10.54%) quarter-on-quarter, but increased by R2.66 billion (6.86%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R788.09 million (4.50%) quarter-on-quarter, but increased by R1.40 billion (9.11%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R1.84 billion (7.34%) quarter-on-quarter, but increased by R3.16 billion (15.75%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2018 was R1.78 trillion, representing an increase of 1.26% quarter-on-quarter and 4.04% year-on-year. The trends for outstanding balances for the quarter ended March 2018 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R9.67 billion (1.07%) quarter on quarter and by R29.72 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R6.04 billion (1.48%) quarter on quarter and by R23.17 billion (5.95%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R2.59 billion (1.14%) quarter on quarter and by R6.16 billion (2.75%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R2.77 billion (1.63%) quarter on quarter and by R6.82 billion (4.11%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 25.46 million credit-active consumers, which showed an increase of 0.59% when compared to the 25.31 million in the previous quarter. Consumers classified in good standing increased by 152,320 to 15.77 million consumers. This amounts to 61.93% of the total number of credit-active consumers, an increase of 0.24% quarter-on-quarter and 1.19% year-on-year. The number of credit active accounts decreased from 79.49 million to 79.08 million in the quarter ended March 2018. The number of impaired accounts has decreased from 19.84 million (24.96%) to 19.42 million (24.55%) when compared to December 2017, a decrease of 426,000 quarter-on-quarter and 286,000 year-on-year.<\\/p>\\r\\n<p>The number of enquiries made on consumer credit records was 439.69 million, this was an decrease of 17.06% quarter-on-quarter but an increase of 0.74% year-on-year. Consumer initiated enquiries accounted for 24.29 million of all enquiries, an increase of 1.28% quarter-on-quarter and 31.40% year-on-year. The number of credit reports issued to consumers increased from 152,690 in the previous quarter to 196,920. A total 117,272 (59.55%) credit reports were issued without charge, and the remaining 79,648 (40.45%) were issued with charge. There were 30,853 disputes lodged on information held on consumer credit records for the quarter ended March 2018, a decrease of 5.09% quarter-on-quarter and 20.65% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, CEO at the NCR encourages consumers to get a copy of their credit reports and take control of their credit profiles and finances. Consumers must take note that they are entitled to one free credit report from all registered credit bureaus once a year. She advises consumers to lodge complaints with relevant credit bureaus, should there be erroneous information on their credit reports. Inaccurate consumer credit profiles may lead to the decline of consumers\\u2019 application for credit when it should rightfully be approved, concludes Motshegare.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-23 16:01:30\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 12:20:02\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 12:19:55\",\"publish_up\":\"2019-01-23 16:01:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(13,6,1,'','2019-01-24 12:26:54',723,2959,'524413bd7e5934e8a15e06333f1afbb818e9684c','{\"id\":6,\"asset_id\":76,\"title\":\"Lobortis metus mauris at nibh\",\"alias\":\"lobortis-metus-mauris-at-nibh\",\"introtext\":\"<p class=\\\"sp-dropcap\\\">lacinia; sapien in volutpat mattis, eros arcu rhoncus erat.<\\/p>\\r\\n<p>Iaculis sodales ante massa lobortis arcu. Etiam ullamcorper, libero sed rhoncus adipiscing, ante arcu dignissim urna, quis iaculis quam sapien eu velit. Praesent ut pulvinar lectus. Donec enim enim, venenatis nec posuere in; dictum id lacus. Quisque vestibulum luctus tortor at vulputate. Maecenas mi augue, vehicula et consectetur ac, vulputate a risus. Pellentesque in feugiat elit. Curabitur sed diam enim. Sed varius faucibus lectus, a scelerisque massa posuere ac. Quisque dapibus, est ac rhoncus tempus, nisl purus posuere urna, accumsan lobortis metus mauris at nibh. Duis ullamcorper adipiscing quam in dapibus. Nulla facilisi. Praesent sagittis commodo lorem, vitae euismod justo venenatis at. Suspendisse et ante dui. Etiam id enim at sem rhoncus sodales commodo et nulla. Donec sed erat dolor, vitae auctor mauris. Suspendisse feugiat mollis ante vitae blandit.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-01-24 12:26:54\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 12:26:54\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-01-24 12:26:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(14,6,1,'','2019-01-24 12:27:06',723,2978,'bd38be5f5fc295e6a5f8ffda3a813f673b289dc3','{\"id\":6,\"asset_id\":\"76\",\"title\":\"Lobortis metus mauris at nibh\",\"alias\":\"lobortis-metus-mauris-at-nibh\",\"introtext\":\"<p class=\\\"sp-dropcap\\\">lacinia; sapien in volutpat mattis, eros arcu rhoncus erat.<\\/p>\\r\\n<p>Iaculis sodales ante massa lobortis arcu. Etiam ullamcorper, libero sed rhoncus adipiscing, ante arcu dignissim urna, quis iaculis quam sapien eu velit. Praesent ut pulvinar lectus. Donec enim enim, venenatis nec posuere in; dictum id lacus. Quisque vestibulum luctus tortor at vulputate. Maecenas mi augue, vehicula et consectetur ac, vulputate a risus. Pellentesque in feugiat elit. Curabitur sed diam enim. Sed varius faucibus lectus, a scelerisque massa posuere ac. Quisque dapibus, est ac rhoncus tempus, nisl purus posuere urna, accumsan lobortis metus mauris at nibh. Duis ullamcorper adipiscing quam in dapibus. Nulla facilisi. Praesent sagittis commodo lorem, vitae euismod justo venenatis at. Suspendisse et ante dui. Etiam id enim at sem rhoncus sodales commodo et nulla. Donec sed erat dolor, vitae auctor mauris. Suspendisse feugiat mollis ante vitae blandit.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 12:26:54\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 12:27:06\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 12:26:54\",\"publish_up\":\"2019-01-24 12:26:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(15,5,1,'','2019-01-24 12:34:21',723,2401,'741fc2810063d0dc0c2e29963809ddb509acf6a0','{\"id\":5,\"asset_id\":\"75\",\"title\":\"CONSUMER CREDIT HEALTH IMPROVES \",\"alias\":\"consumer-credit-health-improves\",\"introtext\":\"<p><!--<img src=\\\"images\\/credit rep.jpg\\\" alt=\\\"\\\" width=\\\"443\\\" height=\\\"295\\\" \\/> -->April 2018 Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 12:18:07\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-24 12:34:21\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-24 12:33:54\",\"publish_up\":\"2019-01-24 12:18:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(16,1,1,'','2019-01-29 12:07:33',723,2783,'4fb1a2bacc11e14a6fceda85e03238bae861d7be','{\"id\":1,\"asset_id\":\"59\",\"title\":\"Welcome to the National credit Regulator\",\"alias\":\"welcomet-to-ncr\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-01-23 15:16:33\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-29 12:07:33\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-29 12:07:05\",\"publish_up\":\"2019-01-23 15:16:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(17,3,1,'','2019-01-29 12:53:49',723,5702,'71264d5c8f990e8f6312686cdd2213e72f7ec994','{\"id\":3,\"asset_id\":\"67\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><!--<img src=\\\"images\\/credit-bureau267.jpg\\\" alt=\\\"\\\" \\/>-->The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:39:19\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-29 12:53:49\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-29 12:53:30\",\"publish_up\":\"2019-01-24 08:39:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\",\\\"spfeatured_image\\\":\\\"\\\",\\\"post_format\\\":\\\"standard\\\",\\\"gallery\\\":\\\"\\\",\\\"audio\\\":\\\"\\\",\\\"video\\\":\\\"\\\",\\\"link_title\\\":\\\"\\\",\\\"link_url\\\":\\\"\\\",\\\"quote_text\\\":\\\"\\\",\\\"quote_author\\\":\\\"\\\",\\\"post_status\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"59\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(18,3,1,'','2019-01-29 12:54:26',723,5695,'9b2ecc3bbd327c3283c5ddbb39c8dd4f41736f36','{\"id\":3,\"asset_id\":\"67\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><img src=\\\"images\\/credit-bureau267.jpg\\\" alt=\\\"\\\" \\/>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-01-24 08:39:19\",\"created_by\":\"723\",\"created_by_alias\":\"\",\"modified\":\"2019-01-29 12:54:26\",\"modified_by\":\"723\",\"checked_out\":\"723\",\"checked_out_time\":\"2019-01-29 12:53:49\",\"publish_up\":\"2019-01-24 08:39:19\",\"publish_down\":\"0000-00-00 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During the operation, 393 SASSA and bank cards as well as 37 identity books were seized. Four (4) criminal cases were opened and we are hopeful that there will be swift prosecution of these matters. </p>',-2,0,'0000-00-00 00:00:00',1,'{\"category_layout\":\"\",\"image\":\"\",\"image_alt\":\"\"}','','','{\"author\":\"\",\"robots\":\"\"}',915,'2019-03-06 15:22:06',0,'2019-03-06 15:22:06',0,'*',1),(10,89,1,15,16,1,'compliance','com_content','Credit Provider Compliance','compliance','','',1,0,'0000-00-00 00:00:00',1,'{\"category_layout\":\"\",\"image\":\"\",\"image_alt\":\"\"}','','','{\"author\":\"\",\"robots\":\"\"}',915,'2019-03-14 15:14:31',915,'2020-10-02 08:19:48',0,'*',1),(11,91,1,17,18,1,'investigations-and-enforcement','com_content','Investigations and Enforcement','investigations-and-enforcement','','',1,0,'0000-00-00 00:00:00',1,'{\"category_layout\":\"\",\"image\":\"\",\"image_alt\":\"\"}','','','{\"author\":\"\",\"robots\":\"\"}',915,'2019-03-14 15:18:15',0,'2019-03-14 15:18:15',0,'*',1),(12,95,1,19,20,1,'debt-counselling','com_content','Debt 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10:01:22',915,'2020-10-02 11:30:14',0,'*',1),(26,151,13,26,27,2,'registrations/debt-counsellor','com_content','Debt Counsellor','debt-counsellor','','',1,0,'0000-00-00 00:00:00',1,'{\"category_layout\":\"\",\"image\":\"\",\"image_alt\":\"\"}','','','{\"author\":\"\",\"robots\":\"\"}',915,'2019-04-11 10:16:52',0,'2019-04-11 10:16:52',0,'*',1),(27,153,13,28,29,2,'registrations/credit-provider','com_content','Credit Provider','credit-provider','','',1,0,'0000-00-00 00:00:00',1,'{\"category_layout\":\"\",\"image\":\"\",\"image_alt\":\"\"}','','','{\"author\":\"\",\"robots\":\"\"}',915,'2019-04-11 10:43:38',0,'2019-04-11 10:43:38',0,'*',1),(28,155,13,30,31,2,'registrations/credit-bureau','com_content','Credit Bureau','credit-bureau','','',1,0,'0000-00-00 00:00:00',1,'{\"category_layout\":\"\",\"image\":\"\",\"image_alt\":\"\"}','','','{\"author\":\"\",\"robots\":\"\"}',915,'2019-04-11 12:46:33',0,'2019-04-11 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agreements</strong></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/webinars/NCR Webinars.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td><a href=\"documents/webinars/NCR Webinars WEB 2.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong> NCR DHS transfers webinars</strong></td>\r\n<td><strong>NCR DC Bonds</strong> </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/webinars/NCR WEBINAR WEB 3.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td><a href=\"documents/webinars/DC BONDS.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong>NCR DC Complaince</strong></td>\r\n<td><strong>DC Advertising practices</strong> </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/webinars/NCR Webinar - DC Complaince.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td><a href=\"documents/webinars/DC ADVERTISING PRACTICES.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n</tr>\r\n</tbody>\r\n</table>',1,0,'0000-00-00 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INSERT INTO `zbk92_content` (`id`, `asset_id`, `title`, `alias`, `introtext`, `fulltext`, `state`, `catid`, `created`, `created_by`, `created_by_alias`, `modified`, `modified_by`, `checked_out`, `checked_out_time`, `publish_up`, `publish_down`, `images`, `urls`, `attribs`, `version`, `ordering`, `metakey`, `metadesc`, `access`, `hits`, `metadata`, `featured`, `language`, `xreference`) VALUES (1,57,'WELCOME TO THE NATIONAL CREDIT REGULATOR','welcome-to-the-national-credit-regulator','<p>The National Credit Regulator (NCR) was established as the regulator for the South African credit industry by the National Credit Act (34 of 2005) (NCA). It is tasked with consumer education, research, policy development, registration of industry participants, investigation of complaints and enforcement of the NCA.</p>\r\n<p>The NCA requires the NCR to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.</p>\r\n<p>The NCR registers and ensures compliance to the NCA by the following industry participants: credit providers, credit bureaus, debt counsellors, alternative dispute resolution agents and payment distribution agents.</p>','',0,2,'2019-03-06 15:18:44',915,'','2021-08-03 15:58:02',915,0,'0000-00-00 00:00:00','2019-03-06 15:18:44','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',13,7,'','',1,14211,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',1,'*',''),(2,61,'If you have to borrow, borrow wisely!','if-you-have-to-borrow-borrow-wisely','<h3 align=\"right\">January 2019</h3>\r\n<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.</p>\r\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers / accounts that are three or more months in arrears.</p>\r\n<p>“Consumers who need to borrow money to get by should only borrow from registered credit providers”, says Sebothoma. “They should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers”, he adds. It is a criminal offence for a credit provider to take and retain consumers’ instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.</p>\r\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.</p>\r\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.</p>\r\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.</p>\r\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer’s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.</p>\r\n<p>Sebothoma advises consumers to get a pre-agreement statement and quotation when seeking credit as these will outline the cost of credit for the proposed agreement. “Consumers should not rush to signing anything at this point until they are clear and certain”, he adds.</p>\r\n<p>He concludes by advising consumers to aim at paying off their debt and building up savings over the longer term.</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <span id=\"cloak11190\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or <br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak13066\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-03-06 15:23:09',915,'','2019-06-05 12:11:16',915,0,'0000-00-00 00:00:00','2019-03-06 15:23:09','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',4,56,'','',1,2897,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(3,62,'National Credit Regulator issues a public warning against fake loan scams','national-credit-regulator-issues-a-public-warning-against-fake-loan-scams','<p align=\"right\">January 2019</p>\r\n<p>[<strong>JOHANNESBURG</strong>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.</p>\r\n<p>These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as “blacklisted” or “debt review clients welcome” says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR. </p>\r\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.  This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added. </p>\r\n<p>The fake credit providers would generally use the details of legitimate credit providers and attempt to make one believe that they are endorsed by government agencies such as the NCR, one must not be misled and can look out for the typical signs.  </p>\r\n<p>Below is general advise for consumers to avoid scams:</p>\r\n<ul>\r\n<li>Treat all unexpected calls, emails and sms messages with caution. Don’t assume they’re genuine, even if the person seems to know some basic information about you, such as your name;  </li>\r\n<li>Look out for the name on all e-mails, in case it is a ‘clone company’ pretending to be a real credit provider.</li>\r\n<li>Do not pay any upfront fees to release your loans. The National Credit Act does not allow credit providers to request upfront payments for the release of a loan, if the ‘credit provider makes this request, do not engage further and report to the relevant authorities, such as the NCR or the SAPS;</li>\r\n<li>Be aware of platforms and hidden fees included for sourcing a loan;</li>\r\n<li>Don’t be pressured into acting quickly. A genuine credit provider won’t mind waiting if you want time to think and compare the costs of credit by using a quotation;</li>\r\n<li>Do not engage with credit providers who do not conduct affordability assessments.  Furthermore, never give false or incorrect information on a credit application about your financial affairs.  Always disclose your financial obligations and living expenses fully.</li>\r\n<li>Never borrow from an unregistered credit provider.</li>\r\n</ul>\r\n<p>‘If the proposal is too good to be true, it usually is’.</p>\r\n<p>If a consumer is unsure or in doubt about the legitimacy of the credit provider or agreement, they should contact the NCR on (011 554 2600/2700 or visit our website at <a href=\"../\">www.ncr.org.za</a>.</p>\r\n<p>Issued by: The National Credit Regulator</p>\r\n<p align=\"center\">Ends</p>\r\n<hr />','',1,8,'2019-03-06 15:23:28',915,'','2019-06-05 12:14:40',915,0,'0000-00-00 00:00:00','2019-03-06 15:23:28','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',5,55,'','',1,2770,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(4,63,'The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling','national-credit-regulator-issues-a-public-warning-against-fake-loan-scams-2','<p><!--<img src=\"images/fake loan.jpeg\" alt=\"\" />-->[<b>JOHANNESBURG</b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.</p>\r\n<p>These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as “blacklisted” or “debt review clients welcome” says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR. </p>\r\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.  This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added. </p>','',1,8,'2019-03-06 15:23:49',915,'','2019-03-18 15:55:08',915,0,'0000-00-00 00:00:00','2019-03-06 15:23:49','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',4,54,'','',1,1669,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(5,64,'Know your rights - Do not to pay any upfront fees when applying for loans','the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services','<p><!--<img src=\"images/images.jpg\" alt=\"\" />-->The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal. <br /><br />Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.  <br /><br />“Credit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and / or the value of the principal debt”, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.</p>','',1,8,'2019-03-06 15:24:12',915,'','2019-03-18 15:54:50',915,0,'0000-00-00 00:00:00','2019-03-06 15:24:12','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',4,52,'','',1,1838,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(6,65,'If you can no longer afford to pay your debts, debt counselling could be of help','if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help','<h3 align=\"right\">January 2019</h3>\r\n<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.</p>\r\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers / accounts that are three or more months in arrears.</p>\r\n<p>“Consumers who need to borrow money to get by should only borrow from registered credit providers”, says Sebothoma. “They should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers”, he adds. It is a criminal offence for a credit provider to take and retain consumers’ instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.</p>\r\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.</p>\r\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.</p>\r\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.</p>\r\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer’s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.</p>\r\n<p>Sebothoma advises consumers to get a pre-agreement statement and quotation when seeking credit as these will outline the cost of credit for the proposed agreement. “Consumers should not rush to signing anything at this point until they are clear and certain”, he adds.</p>\r\n<p>He concludes by advising consumers to aim at paying off their debt and building up savings over the longer term.</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <span id=\"cloak11190\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or <br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak13066\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-03-06 15:24:39',915,'','2019-06-05 12:08:06',915,0,'0000-00-00 00:00:00','2019-03-06 15:24:39','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',6,53,'','',1,1720,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(7,90,'Credit Provider Compliance','compliance','<h5>Mandate of the Credit Provider Compliance Department</h5>\r\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.</p>\r\n<p>The compliance monitoring is conducted through the following measures:</p>\r\n<ol>\r\n<li>Desktop monitoring;</li>\r\n<li>Onsite monitoring;</li>\r\n<li>Submission of statutory reports;</li>\r\n<li>Monitoring of Conditions of registration;</li>\r\n<li>Market Conduct Studies;</li>\r\n<li>Compliance workshops.</li>\r\n</ol>\r\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.</p>\r\n<h4>Relevant Sections</h4>\r\n<ul>\r\n<li><a href=\"documents/pages/registration&amp;compliance/compliance&amp;reports/relevant_sections/section63.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Language Policy</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/Website additions Market Conduct.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Market Conduct</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/Compliance_report62-68.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Provider Compliance Reports</a></li>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/Regulations 62.pdf\" target=\"_blank\" rel=\"Statutory Reporting noopener noreferrer\">Statutory Reporting</a></li>\r\n</ul>\r\n<h4>Prescribed Statutory Reporting (Credit Provider)</h4>\r\n<ol>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/Copy%20of Form 39 .xls\" target=\"_blank\" rel=\"noopener noreferrer\">Statistical Returns (Form 39)</a></li>\r\n<li>Compliance Report<br />\r\n<ul>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/COMPLIANCE REPORT.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Compliance Report (.pdf)</a> </li>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/COMPLIANCE REPORT.doc\" target=\"_blank\" rel=\"noopener noreferrer\">Compliance Report (.doc)</a></li>\r\n</ul>\r\n</li>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/Annual_Financial_Statements.pdf\">Annual Financial Statements</a></li>\r\n<li>Annual Financial and Operational Return\r\n<ul>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/Form 40.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Annual Financial and Operational Return (.pdf)</a></li>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/Form%2040.xls\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"line-height: 15.8079996109009px;\">A</span><span style=\"line-height: 15.8079996109009px;\">nnual Financial and Operational Return (.xls)</span></a></li>\r\n</ul>\r\n</li>\r\n<li>Assurance Engagement Reports Audited\r\n<ul>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/assurance/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Assurance Engagement Illustrative Report</a></li>\r\n</ul>\r\n</li>\r\n<li>Assurance Engagement Reports Unaudited\r\n<ul>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/Assurance Engagement Reports - Unaudited/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Assurance Engagement Reports - Unaudited</a></li>\r\n</ul>\r\n</li>\r\n<li>Language Policy Review\r\n<ul>\r\n<li><a href=\"documents/pages/1st year review language policy.doc\" target=\"_blank\" rel=\"noopener noreferrer\">First year review</a></li>\r\n<li><a href=\"documents/pages/Guidelines LPP.doc\" target=\"_blank\" rel=\"noopener noreferrer\">Second year review</a></li>\r\n</ul>\r\n</li>\r\n</ol>','',1,10,'2019-03-14 15:14:48',915,'','2020-10-06 09:06:41',915,0,'0000-00-00 00:00:00','2019-03-14 15:14:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',18,1,'','',1,44680,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(8,92,'Investigations and Enforcement','investigations-and-enforcement','<h5>Mandate of the Investigations and Enforcement Department</h5>\r\n<p>The Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act and taking the necessary enforcement action where necessary. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, issuing compliance notices, non-referrals or instruction letters to address non-compliance.</p>\r\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer’s instruments such as identity documents, bank cards, SASSA cards and bank pins.</p>\r\n<h3>Notable Cases</h3>\r\n<p> {loadmodule mod_easyaccordioncontent,Cases}</p>','',1,11,'2019-03-14 15:18:28',915,'','2020-09-23 14:40:08',915,0,'0000-00-00 00:00:00','2019-03-14 15:18:28','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',44,0,'','',1,30316,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(9,96,'Debt Counselling','debt-counselling','','',-2,12,'2019-03-15 12:27:38',915,'','2019-03-15 12:27:38',0,0,'0000-00-00 00:00:00','2019-03-15 12:27:38','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,0,'','',1,233,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(10,99,'Compliance','compliance-2','<h3>Relevant Sections</h3>\r\n<ul>\r\n<li><a href=\"documents/pages/registration&amp;compliance/compliance&amp;reports/relevant_sections/section63.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Language Policy</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/compliance&amp;reports/relevant_sections/section15.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Market Conduct</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/Compliance_report62-68.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Provider Compliance Reports</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/compliance&amp;reports/relevant_sections/debt_counsellors_compliance_report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt Counsellors Compliance Reports</a></li>\r\n<li><a href=\"documents/pages/compliance&amp;reports_cp/credit_bureau_annual_compliance_report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Bureau Compliance Reports</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/Form 39.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Statistical Returns (Form 39)</a></li>\r\n</ul>\r\n<p> </p>','',0,10,'2019-03-15 12:28:59',915,'','2019-05-20 12:10:18',915,0,'0000-00-00 00:00:00','2019-03-15 12:28:59','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,0,'','',1,25,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(11,101,'Education and Communications','education-and-communications','','',0,15,'2019-03-15 12:29:42',915,'','2019-03-15 12:29:42',0,0,'0000-00-00 00:00:00','2019-03-15 12:29:42','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,7,'','',1,538,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(12,102,'Registrations','registrations','','',1,13,'2019-03-15 13:14:46',915,'','2019-03-15 13:14:46',0,0,'0000-00-00 00:00:00','2019-03-15 13:14:46','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,1,'','',1,4198,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(13,103,'Complaints','complaints','','',1,14,'2019-03-15 13:16:39',915,'','2019-03-15 13:16:39',0,0,'0000-00-00 00:00:00','2019-03-15 13:16:39','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,6,'','',1,2128,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(14,104,'About us','about-us','<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.</p>\r\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.</p>\r\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux, debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and with the enforcement of compliance with the Act.</p>\r\n<p>For further information refer to the <a href=\"../documents/pages/1. The NCR (section 12-23).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">relevant sections of the Act</a></p>\r\n<p> </p>','',1,2,'2019-03-18 12:48:06',915,'','2019-08-07 07:42:24',915,0,'0000-00-00 00:00:00','2019-03-18 12:48:06','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"0\",\"show_print_icon\":\"0\",\"show_email_icon\":\"0\",\"show_vote\":\"0\",\"show_hits\":\"0\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',9,6,'','',1,2525,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(15,107,'Careers','careers','','',-2,2,'2019-03-18 16:02:32',915,'','2019-03-19 06:33:44',915,0,'0000-00-00 00:00:00','2019-03-18 16:02:32','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,8,'','',1,815,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(16,108,'Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape','joint-operation-between-ncr-office-of-the-consumer-protector-and-sassa-in-sarah-baartman-district-municipality-in-the-eastern-cape','<p>On Friday, 01 February 2019, the National Credit Regulator (NCR) joined forces with the Office of the Consumer Protector, South African Social Security Agency (SASSA) and South African Police Service (SAPS) from the Sarah Baartman Region in an operation aimed at curbing illegal retention of consumer instruments including identity books, bank cards and SASSA cards, to enforce credit agreements.</p>\r\n<p>The operations were conducted at an entity conducting business in Jeffreys Bay, Somerset East and Humansdorp. During the operation, 393 SASSA and bank cards as well as 37 identity books were seized. Four (4) criminal cases were opened and we are hopeful that there will be swift prosecution of these matters. </p>\r\n<p>The focus of this kind of operation is primarily to identify credit providers who are unlawfully retaining pension cards, bank cards, identity documents and personal identity numbers (PIN) of their clients as surety. “Retaining these cards is a contravention of the National Credit Act (NCA) and it is a criminal offence”, says Jacqueline Peters Manager of the Investigations and Enforcement Department at the National Credit Regulator. </p>\r\n<p>Peters says this operation will not be the last of its kind in the region. SASSA and the Office of the Consumer Protector will continue to work together to root out predatory practices and to ensure that all credit providers, no matter where they conduct business, comply with the provisions of the National Credit Act. “The exploitation of vulnerable and unsuspecting consumers by credit providers will not be tolerated,” added Peters.</p>\r\n<p>“Consumers are cautioned to avoid credit providers who require them to hand over their identity books or SASSA cards as it is a criminal offence and it is usually coupled with reckless lending and overcharging”, concludes Peters.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br />The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p> </p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak28443\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span></p>\r\n<p align=\"center\">Or<br />Lebogang Selibi<br />(011)  554-2722<br />E-mail: <span id=\"cloak63445\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-03-19 06:33:16',915,'','2019-04-24 10:39:34',915,0,'0000-00-00 00:00:00','2019-03-19 06:33:16','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',4,51,'','',1,3315,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(17,110,'Media','media','','',1,17,'2019-03-26 08:44:52',915,'','2019-03-26 08:44:52',0,0,'0000-00-00 00:00:00','2019-03-26 08:44:52','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,3,'','',1,4409,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(18,112,'Educational Information And Brochures','educational-information-and-brochures','<table style=\"height: 86px;\" width=\"700\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td valign=\"top\"><strong>Sinking into Debt </strong></td>\r\n<td valign=\"top\"><strong>Take Control of Your Finances</strong></td>\r\n<td valign=\"top\"><strong>Introductory Brochure</strong>  </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td valign=\"top\"><img src=\"http://www.ncr.org.za/images/SID_thumb_eng.jpg\" alt=\"\" /></td>\r\n<td valign=\"top\"><img src=\"http://www.ncr.org.za/images/the_guide.jpg\" alt=\"\" /></td>\r\n<td valign=\"top\"><img src=\"http://www.ncr.org.za/images/pub_04.jpg\" alt=\"\" /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\"><strong>Credit Bureau and your Right</strong></td>\r\n<td><strong>The National Credit Act and <br />the National Credit Regulator</strong></td>\r\n<td valign=\"top\"><strong>NCR Consumer Booklet</strong></td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" valign=\"top\"><img src=\"http://www.ncr.org.za/images/pub_03.jpg\" alt=\"\" /></td>\r\n<td align=\"center\" valign=\"top\"><img src=\"http://www.ncr.org.za/images/NCRA.jpg\" alt=\"\" /></td>\r\n<td align=\"center\" valign=\"top\"><img src=\"http://www.ncr.org.za/images/Consumer_Booklet.jpg\" alt=\"\" /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"../ncr/../brochures/Take Control Of Your Finances/brochure5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view brochure</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /> </td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,17,'2019-03-26 08:55:43',915,'','2019-03-26 08:55:43',0,0,'0000-00-00 00:00:00','2019-03-26 08:55:43','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,2,'','',1,1995,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(19,113,'Complaints','how-to-lodge-a-complaint','<h5>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:</h5>\r\n<ul>\r\n<li>To receive complaints concerning alleged contravention of the NCA</li>\r\n<li>To evaluate alleged contraventions of the NCA</li>\r\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus</li>\r\n<li>To investigate and ensure registrants comply with the NCA</li>\r\n<li>To take enforcement steps as allowed for in the NCA where necessary </li>\r\n</ul>\r\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and/or by visiting our offices.<br /> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.</p>\r\n<p><img src=\"images/1645AD-NCR-Complaints-Process-Chart_07.jpg\" alt=\"\" width=\"800\" height=\"320\" /></p>\r\n<p><a href=\"documents/NCR-A1-Poster-Complaints-Department amended.pdf\">Click here to view the explanatory brochure</a> </p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\"> Click here to view - Who can complain to us?</a></p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\"> Click here to view - Complaints we can handle</a></p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\">Click here to view - Complaints that fall outside the NCR’s mandate</a></p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\">Click here to view - Frequently asked questions </a></p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=95&amp;catid=14\">Click here to view - Success Stories </a></p>\r\n<p><strong>How to lodge a complaint:</strong></p>\r\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br /> <strong>Telephone:</strong> 0860 62762<br /> <strong>Email: </strong> <a href=\"mailto:complaints@ncr.org.za\">complaints@ncr.org.za</a> <br /> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br /> Friday from 08h00 to 16h30</p>\r\n<p>To complete a complaint initiation form (form 29), please <a href=\"documents/form 29 new.pdf\">click here</a>. Note that if you are lodging a complaint on behalf of the consumer/complainant you must complete both the Complaint initiation form and <a href=\"documents/Written Consent Regulation 50(5).docx\">consent form</a>.</p>','',1,14,'2019-03-26 09:07:47',915,'','2023-11-29 08:29:45',915,0,'0000-00-00 00:00:00','2019-03-26 09:07:47','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',50,5,'','',1,55776,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(20,115,'Provincial Consumer Affairs Offices','provincial-consumer-affairs-department','<p>{loadmodule mod_azdirectory,Provincial Consumer Affairs Department}</p>','',1,18,'2019-03-26 09:37:02',915,'','2021-01-27 14:36:31',915,0,'0000-00-00 00:00:00','2019-03-26 09:37:02','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',18,2,'','',1,23405,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(21,117,'Download the National Credit Act','download-the-act','<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;</p>\r\n<ul>\r\n<li>to promote black economic empowerment and ownership within the consumer credit industry;</li>\r\n<li>to prohibit certain unfair credit and credit-marketing practices;</li>\r\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;</li>\r\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;</li>\r\n<li>to establish national norms and standards relating to consumer credit;</li>\r\n<li>to promote a consistent enforcement framework relating to consumer credit;</li>\r\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;</li>\r\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.</li>\r\n</ul>\r\n<p><a href=\"documents/pages/download_act/NATIONAL_CREDIT_ACT.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">click here to download the act</a></p>\r\n<p><a href=\"documents/pages/download_act/National Credit Amendment Act 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">click here to download the National Credit Amendment Act 2019</a></p>\r\n<p><a href=\"documents/pages/download_act/National Credit Amendment Act of 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">click here to download the National Credit Amendment Act of 2014</a></p>\r\n<h4>National Credit Regulations</h4>\r\n<ul>\r\n<li><a href=\"documents/pages/Acts/Final Credit Life Insurance Regulations.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Final Credit Life Insurance Regulation</a></li>\r\n<!--<li><a href=\"documents/pages/Acts/SKM_C284e15111716420.compressed.pdf\" target=\"_blank\">Draft Credit Life Insurance Regulation, 2015</a></li>-->\r\n<li><a href=\"documents/pages/Acts/SKM_C284e15110908440.compressed.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Review of Limitations on Fees and Interest Rates Regulations</a></li>\r\n<li><a href=\"documents/pages/Acts/NEW FEE STRUCTURE.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">New Fee Structure</a></li>\r\n</ul>\r\n<h4> </h4>','',1,19,'2019-03-26 09:46:26',915,'','2022-10-07 15:03:49',915,0,'0000-00-00 00:00:00','2019-03-26 09:46:26','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',14,2,'','',1,89638,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(22,118,'Over-Indebtedness','over-indebtedness','<p>Consumers are advised to seek help during these tough economical times, instead of rushing to apply for more credit in order to pay off their debts. The NCR as part of our mandate to educate and protect consumers have devised a “Self Help” document for consumers to help you cope with debt stress.</p>\r\n<p>The following are tips from the NCR:</p>\r\n<p>1.  Know your Financial Status</p>\r\n<p>1.1 Know all your creditors – create a spread sheet of all your accounts/debts as well as monthly expenditure.</p>\r\n<p>1.1.1 Have a spending plan and stick to it!</p>\r\n<p>1.1.2 List all your expenses e.g.</p>\r\n<ul>\r\n<li>Rent/mortgage</li>\r\n<li>Water/electricity/rates</li>\r\n<li>Grocery</li>\r\n<li>Transport</li>\r\n<li>School/crèche fees</li>\r\n<li>Medical expenses (if not on medical aid)</li>\r\n<li>Insurances</li>\r\n<li>Bank charges (estimate, based on statement)</li>\r\n</ul>\r\n<p>1.2 Compare your total monthly income with your total expenditure</p>\r\n<p>1.3 If your expenditure is more than your income </p>\r\n<p>DO SOMETHING ABOUT IT!</p>\r\n<p>2. Communicate with your Credit Providers</p>\r\n<p>2.1 Know all your credit providers’ contact details and keep your account statements in a safe place.</p>\r\n<p>2.2 When you are experience problems repaying your debts, contact your creditors. Get in touch with the Credit Department, not your local branch.</p>\r\n<p>2.3 Always explain your situation if you cannot afford to pay your instalments.</p>\r\n<p>2.4 Do not promise to pay what you don’t have. Rather negotiate for lower instalments than skip payments.</p>\r\n<p><strong>Here are some useful contact details: </strong></p>\r\n<ul>\r\n<li><strong>ABSA</strong> - ABSA Customer Debt Repair Line: 0860 356 356</li>\r\n<li><strong>Nedbank</strong> - Debt Rehabilitation &amp; Recoveries Services: 0860 109 279</li>\r\n<li><strong>Standard Bank</strong> - Contact your Standard bank branch</li>\r\n<li><strong>First National Bank</strong> - Debt Review centre – 0860 362 002</li>\r\n</ul>\r\n<p>3. Avoid getting more Debt. Rather downgrade and change your lifestyle!</p>\r\n<p>3.1 <strong>Things you need to cut/adjust are:</strong></p>\r\n<ol>\r\n<li>Domestic worker (unless this is the substitute for crèche)</li>\r\n<li>Alcohol</li>\r\n<li>Tobacco / cigarettes</li>\r\n<li>Entertainment</li>\r\n<li>Club membership</li>\r\n<li>M-Net, DSTV</li>\r\n<li>Holiday clubs</li>\r\n<li>Gambling</li>\r\n<li>If you are driving an expensive car consider a down grade for a less expensive car. This will reduce your monthly instalment thus enabling you to pay other debts.</li>\r\n<li>If you are no longer able to afford the house you live in, consider selling it and getting something more reasonable.</li>\r\n<li>Where possible use public transport.</li>\r\n<li>Go to your financial advisor and have another look at the insurance contracts that you have. Contact an independent financial advisor. Contact details are available at the FSB at 012 428 8000.You may find that you do not really need some of them.</li>\r\n<li>Use any savings you making from your adjustment to pay the most expensive loans such as micro loans followed by your credit card.</li>\r\n</ol>\r\n<p>4. Look twice for a better price</p>\r\n<ul>\r\n<li>4.1 When you do your groceries do price comparison across major stores and settle for less. Only buy items that you cannot survive without and look for specials.</li>\r\n<li>4.2 No-name brands are usually cheaper and are sometimes of good quality.</li>\r\n<li>4.3 Fresh/loose vegetables are cheaper than prepared/frozen vegetables.</li>\r\n</ul>\r\n<p>5. If you need support and a helping hand</p>\r\n<ul>\r\n<li>5.1 Contact a debt counsellor, call 0860 627 627 to locate one in your area or log onto www.ncr.org.zaand click on “register of registrants”, then select debt counsellors.</li>\r\n<li>5.2 Once you are under debt counselling, you will not be allowed to access credit until you have received a clearance certificate from a debt counsellor.</li>\r\n<li>5.3 If and when you receive letters from your creditors do not ignore them, take them seriously, act on them and seek help!!</li>\r\n</ul>\r\n<p>6. If you are facing repossession seek advice and remember , you have Rights as well !</p>\r\n<ul>\r\n<li>6.1 According to the National Credit Act you have certain rights when you want to surrender goods to your credit provider;</li>\r\n<li>6.2 You also have rights when the credit provider enforces the debt using repossession.</li>\r\n</ul>','',1,15,'2019-03-26 11:12:22',915,'','2020-02-24 12:12:46',915,0,'0000-00-00 00:00:00','2019-03-26 11:12:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,6,'','',1,52282,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(23,119,'Consumer Assistance','consumer-assistance','<p>A consumer may apply to a Debt counsellor to be declared over-indebted. If the debt counsellor finds that the consumer is indeed over-indebted, he/she will make a recommendation to the Magistrate’s Court for the consumer to be declared over-indebted. The Court may in turn re-organise the consumer’s debt by extending the term of any agreement, postponing payments, recalculating unlawful fees or interest and may order adjustments to improperly charged items.</p>\r\n<p>If a debt counsellor finds that a consumer is not over-indebted, he/she will provide the consumer with a letter of rejection. The consumer may then appeal to court for a review of the counsellor’s decision.</p>\r\n<p>A consumer who is over-indebted may approach a debt counsellor directly, or he/she may be referred to a debt counsellor by his/her creditor/s or by the magistrate court. </p>\r\n<p>Please click on any of the following regions to find counselling services in your area, or if you are looking for a Debt Counsellor please go to the <a href=\"../register_of_registrants/index.html\">Register of Registrants</a> page:</p>','',1,15,'2019-03-26 11:13:12',915,'','2020-09-15 07:35:27',915,0,'0000-00-00 00:00:00','2019-03-26 11:13:12','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,5,'','',1,71934,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(24,123,'Latest News','latest-news','<div style=\"background: #dbdbdb; padding: 10px;\">\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Debt counselling-a debt relief measure for over-indebted consumers</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his/her income is not sufficient to cover...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=129&amp;catid=8\">Read More...</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Young Black Industrialist Award</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises youth-owned legal companies trading in South Africa and young individuals who demonstrate high levels of entrepreneurship in the manufacturing or service industries.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Young BI entry form final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Women Black Industrialist Award</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises women owned companies trading in South Africa and women who demonstrate high levels of entrepreneurship. The company should be at least 51% black women owned and be in the services or manufacturing sectors.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Women BI entry form final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Sustainability BI entry form final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Job Creation Award</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Job creation Black Industrialist final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Information consent and indemnity form - Black Industrialist and Exporters Awards</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/Black Industrialists entry form final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Black Industrialist and Exporters Conference - Exporters Award</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 5px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"documents/BI Exporter entry form final.pdf\">download</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Keep your credit bureau record clean regardless of the rising cost of living</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Misleading advertising on Social Media platforms regarding debt counselling</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Consumer rights in the digital world</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted “#BetterDigitalWorld” as its theme.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Consumers are encouraged to borrow wisely and start saving</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year’s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">It is illegal for a credit provider to take a consumer’s ID or cards when granting credit</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">“In terms of the National Credit Act, it is illegal for credit providers to retain consumers’ instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers”..</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Looting mayhem has cost some consumers dearly</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Debt counselling offers new lease of life for over-indebted consumers</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Men and finances</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African’s owe in terms of credit which is made up of amongst...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Alternative Data Landscape in South Africa</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The material in this work is copyrighted. Copying and/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"http://www.ncr.org.za/documents/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Credit extension slows down</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to “Debt Intervention”</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">The NCR and the Credit Ombud rowing together in the same boat.</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Industry Communique for issuing 1 Febr 2021</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Covid-19 impact on credit extension</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Debt counselling provides hope for those in need</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/88-debt-counselling-provides-hope-for-those-in-need\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Avoid panic buying as it may lead to over-indebtedness</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div class=\" portlet-content-container\">\r\n<div class=\"portlet-body\">\r\n<div class=\"journal-content-article\">\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Avoid panic buying as it may lead to over-indebtedness</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Know your Consumer Rights and be protected</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/75-know-your-consumer-rights-and-be-protected\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">The Tribunal rules that child support and foster care grants cannot be used as consumer’s income to apply for credit</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/8-latest-news/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the “on the road” fee, admin fee and handling fee on credit agreements.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\">Credit extension seasonally surges</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/61-credit-extension-seasonally-surges\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">If you have to borrow, borrow wisely!</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/2-if-you-have-to-borrow-borrow-wisely\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">National Credit Regulator issues a public warning against fake loan scams</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as “blacklisted” or “debt review clients welcome” says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">Do not overdo it this festive season – Spend Wisely!</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/56-do-not-overdo-it-this-festive-season-spend-wisely\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div style=\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\">\r\n<p style=\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\">The Supreme Court of Appeal dismisses the MFSA’s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations</p>\r\n<!--<p style=\"padding-right: 6px; padding-left: 10px;\"><em>Date: 28-02-2019</em></p>-->\r\n<p style=\"padding-right: 6px; padding-left: 10px;\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa’s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.</p>\r\n<div style=\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\">\r\n<p style=\"padding: 0px 0px 0px 5px;\"><a style=\"color: #fff; text-decoration: none;\" href=\"index.php/latest-news/8-latest-news/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\">Read more....</a></p>\r\n</div>\r\n</div>\r\n<div id=\"backnewsbottom\"><!--<p class=\"backbottom\"><a href=\"../web/department-of-transport/news-archive\">News Archive</a></p>-->\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\">More Articles...</a></p>\r\n<!--<p class=\"backbottom\">{loadmodule mod_articles_category,News listing}</p>--></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>','',1,8,'2019-03-27 14:00:25',915,'','2022-08-10 12:55:37',915,915,'2023-06-28 14:17:57','2019-03-27 14:00:25','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',87,48,'','',1,265644,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(25,125,'Circulars','circulars','','\r\n<p> </p>\r\n<table class=\"table table-bordered table-striped\" style=\"width: 100%;\">\r\n<tbody>\r\n<tr>\r\n<td style=\"width: 108px;\">November 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 6of 2023- Emoulument Attachment Orders.pdf\">Circular 6 of 2023 - Emolument attachment orders and other related matterst</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">September 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 05 September 2023.pdf\">Circular 5 of 2023 - Impact of extended power supply failure/loadshedding to the consumer credit market</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 04 August 2023.pdf\">Circular 4 of 2023 - Notice to registrants: obstructive behaviour during an investigation</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">June 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 03 June 2023 amended.pdf\">Circular 3 of 2023 - Annual renewal of registration</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 2 of 2023- Proposed Fee Stucture SACRRA 28 April.pdf\">Circular 2 of 2023 - Request for comments on the recommended fee stucture for fees payable to sacrra</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 01 of 2023 -NCR Contact Details April 2023 final.pdf\">Circular 1 of 2023 - NCR contact details</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2022</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 04 of 2022-Sale of personal information.pdf\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2022</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2022</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 02 of 2022-Revised DHS procedure.pdf\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J</a><br /> <a href=\"documents/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\">Explanatory note to the withdrawal guidelines 1 of 2021</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">September 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\">Circular 6 of 2021 - Process of dealing with edgars/jet on-sale accounts </a><br /> <a href=\"documents/Circulars/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">June 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 04.pdf\">Circular 4 of 2021 - NCR’s banking details have not changed </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">May 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/CIRCULAR 03 OF 2021...pdf\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">February 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular on ADR Agents 03.pdf\">Circular 2 of 2021 - Circular on ADR agents </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\" height=\"33\">January 2021</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">November 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 10 2020- DC misleading marketing practices.pdf\">Circular 10 2020 - DC misleading marketing practices.pdf </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">July 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-09-of-2020.pdf\">Circular 09 of 2020 - Submission of the quarterly returns </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">July 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-08-of-2020.pdf\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">June 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\">Circular 07 of 2020 - Update on the extension of the NCA business days </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">May 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-06-of-2020.pdf\">Circular 06 of 2020 - Submission of credit information during covid-19 period </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">May 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-05-of-2020- Emergency Loan Guideline.pdf\">Circular 05 of 2020 - Emergency loan guideline </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">May 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 04 of 2020- Extension of quarterly stats submission.pdf\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-03-of-2020 (justified).pdf\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-02-of-2020.pdf\">Circular 02 of 2020</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2020</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-01-of-2020.pdf\">Circular 01 of 2020</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">October 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-07-of-2019 23.pdf\">Circular 07 of 2019 </a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">July 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 06 of 2019- NCR Webinars.pdf\">Circular 06 of 2019 - NCR Webinars</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">June 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-05-of-2019.pdf\">Circular 05 of 2019 - DC Court Challenges</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">June 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-04-of-2019.pdf\">Circular 04 of 2019 is applicable to all registered credit bureaux.</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-03-of-2019.pdf\">Circular 03 of 2019 - Updates from the credit industry forum</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">February 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-02-of-2019.pdf\">Circular 02 of 2019 - Updates from the credit industry forum</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">January 2019</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular-01-of-2019.pdf\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">November 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR CIRCULAR 11 OF 2018.pdf\">Circular 11 of 2018 - Fraud or Unethical Behaviour</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">October 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\">Circular 06 of 2018 - Request for written comments - reckless lending fee category</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">September 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR Circular 05 September 2018.pdf\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR Circular 04 of August 2018.pdf\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\">Circular 3 of 2018 - NCR New Enhanced Debt Help System</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">February 2018</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular New Debt Counsellor Fees 1.pdf\">Circular no 01 of 2018 -new debt counsellor fees</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">September 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR CIRCULAR 14 OF 2017.pdf\">Circular no 14 of 2017 – consumer transfer notice of the lapsed and voluntary de-registered debt counsellors</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 12 of 2017- Proposed DC fee structure.pdf\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/DHS Automated transfers circular .pdf\">Circular 11 of 2017 - dhs new functionalities</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR CIRCULAR 9 OF 2017.pdf\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Updated Lapsed Report.xlsx\">Updated Lapsed Report</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/CIRCULAR 8  CONTACT DETAILS.pdf\">Circular 8 of 2017 – NCR contact details</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">April 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/NCR CIRCULAR 7 - Call Centres.pdf\">Circular 7 of 2017 - debt counselling call centres</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 6 of 2017- Section 71.pdf\">Circular 6 of 2017 - interpretation of section 71 of the nca</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular No5 .pdf\">Circular 5 of 2017 - transfer notice of the files for albert muller – ncrdc 110</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/1529AD NCR CIRCULAR 4 OF 2017.pdf\">Circular 4 of 2017 – NCR’s banking details have not changed</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">February 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 03 of 2017- DC fees review.pdf\">Circular 3 of 2017 – review of debt counselling fees</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">February 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Annual Renewal of Registrations.pdf\">Circular 2 of 2017 – annual renewal of registration</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">January 2017</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/Circular 1 of 2017-DCRS.pdf\">Circular 1 of 2017 – debt counselling rules system</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<!--\r\n\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 7 - Call Centres.pdf\">Circular 7 of 2017 - debt counselling call centres</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 6 of 2017- Section 71.pdf\">Circular 6 of 2017 - interpretation of section 71 of the nca</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/Circular No5 .pdf\">Circular 5 of 2017 - transfer notice of the files for albert muller – ncrdc 110</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/1529AD NCR CIRCULAR 4 OF 2017.pdf\">Circular 4 of 2017 – NCR’s banking details have not changed</a></p>\r\n<p style=\"font-weight: bold;\">February 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 03 of 2017- DC fees review.pdf\">Circular 3 of 2017 – review of debt counselling fees</a></p>\r\n<p style=\"font-weight: bold;\">February 2017</p>\r\n<p><a href=\"documents/Circulars/Annual Renewal of Registrations.pdf\">Circular 2 of 2017 – annual renewal of registration</a></p>\r\n<p style=\"font-weight: bold;\">January 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 1 of 2017-DCRS.pdf\">Circular 1 of 2017 – debt counselling rules system</a></p>\r\n<p style=\"font-weight: bold;\">November 2016</p>\r\n<p><a href=\"documents/Circulars/1349AD NCR CIRCULAR 24 OF 2016.pdf\">Circular No. 24/November 2016 replaces Circular No. 2/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines – Guidelines No. 003/2009 and 001/2014.</a></p>\r\n<p style=\"font-weight: bold;\">October 2016</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 23 OF 2016.pdf\">Circular No. 23 / October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.</a></p>\r\n<p><a href=\"documents/Circulars/SKM_754e16100415260.pdf\">Circular No. 3 / October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended</a></p>\r\n<p style=\"font-weight: bold;\">September 2016</p>\r\n<p><a href=\"documents/Circulars/September_2016/1203AD NCR CIRCULAR 18 OF 2016.pdf\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act</a></p>\r\n<p><a href=\"documents/Circulars/September_2016/Circular No19 Employed Debt Counsellors.pdf\">Circular 19 of 2016: Employed Debt Counsellors</a></p>\r\n<p><strong>July 2016</strong></p>\r\n<p><a title=\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \" href=\"documents/Circulars/July 2016/1120AD NCR CIRCULAR 15 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount </a></p>\r\n<p><a title=\"Circular No. 14 of 2016 : Aternative dispute resolution agents \" href=\"documents/Circulars/July 2016/1119AD NCR CIRCULAR 14 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 14 of 2016: Aternative dispute resolution agents </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">June 2016</strong></p>\r\n<p><a title=\"Circular No. 13 of 2016 : Updates from the credit industry forum \" href=\"documents/Circulars/Circular 13 of 2016- CIF Updates.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 13 of 2016: Updates from the credit industry forum </a></p>\r\n<p><a title=\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \" href=\"documents/Circulars/1090AD NCR Circular 12 of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees</a></p>\r\n<p>C<a title=\"Circular No. 8 of 2016 : The review of limitations on fees and interest\r\nrates regulations \" href=\"documents/Circulars/1051AD NCR CIRCULAR 8 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations </a></p>\r\n<p><a title=\"Circular No. 7 of 2016 : Debt Help System Enhancements \" href=\"documents/Circulars/Circular No7 DHS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 7 of 2016: Debt Help System Enhancements </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">May 2016</strong></p>\r\n<p><a title=\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus \" href=\"documents/Circulars/1060AD NCR Circular 9 Rev 2 (2).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">March 2016</strong></p>\r\n<p><a title=\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\" href=\"documents/Circulars/Circular No6_Payments of Debt Counsellor fees.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">February 2016</strong></p>\r\n<p><a title=\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\" href=\"documents/Circulars/165 AD NCR Circulars of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 5 of 2016: Payment of Debt Counselling Fees</a></p>\r\n<p><a title=\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\" href=\"documents/Circulars/161AD NCR Circular 4 of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape</a></p>\r\n<p><a title=\"Circular No. 2/ February 2016\" href=\"documents/Circulars/152AD NCR Circular2 297x210 Rev2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 2/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003/2009</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">January 2016</strong></p>\r\n<p><a title=\"Circular No. 3 of 2016: Annual Renewal of Registration\" href=\"documents/Circulars/154AD NCR Circular 3 of 2016 .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 3 of 2016: Annual Renewal of Registration</a> </p>\r\n<p><a title=\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\" href=\"documents/Circulars/149AD NCR Circular 1 of 2016 297x210.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">November 2015</strong></p>\r\n<p><a href=\"documents/pages/circulars/Nov2015/3594 NCR Circular .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">September 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/Sep15/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits</a></li>\r\n<li><a href=\"documents/pages/circulars/Sep15/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details</a></li>\r\n<li><a href=\"documents/pages/circulars/Sep15/DC_Information_Update_Form.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt Counsellor information update form</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">August 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/Aug2015/Return Of Funds - Circular 13-2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts</a> </li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">July 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/July2015/Circ 12-Aug20151.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 12 of 2015: Replacement of Registration Certificates</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">February 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/feb2015/Transfer%20Notice.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 07 of 2015: Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/Fraud%20Circ%20(02-2015)1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 06 of 2015: Fraud or Unethical Behavior</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/TTA Guidelines Final .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 02 of 2015: Debt Review Task Team Agreements</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/Withdrawal from debt review guidelines.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 002 of 2015: Withdrawal Guidelines</a> </li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">January 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/jan2015/Circ 04-Jan15 - Proposed process for end balance differences.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 04 of 2015:  Proposed Process for End Balance Differences</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Debt Review Task Team Agreements.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 02 of 2015: Debt Review Task Team Agreements</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Industry DevTrends and Practices.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 01 of 2015: Industry Developments, Trends and Practices</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">December 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/dec2014/Cirular 18 Festive Breaks .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 18 of 2014: Debt Counselling Festive Breaks</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Compilation Registrants 16.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Circular 15 - DCRS.PDF\">Circular No 15 of 2014: Debt Counselling Rules System</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Circular 14 - Termination Notices.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 14 of 2014: Section 86(10) Termination Notices</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">November 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/nov2014/Circular (Voluntary Debt Mediation).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 13 of 2014: Voluntary Debt Mediation</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">October 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/october14/Circular Lapse of Reg.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.11 of 2014 - Lapse Of Registration</a></li>\r\n</ul>\r\n<p><strong>September 2014</strong></p>\r\n<ul>\r\n<li><strong><a href=\"documents/pages/circulars/sep2014/Circular Lapse of Reg.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.11 of 2014 : Lapse Of Registration</a></strong></li>\r\n</ul>\r\n<p><strong>June 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/june2014/Circular (No.09-2014).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries</a></li>\r\n</ul>\r\n<p><strong>May 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/may2014/Circular (No.08-2014).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.8 of 2014 : Update from Credit Industry Forum</a></li>\r\n<li><a href=\"documents/pages/circulars/may2014/Circular no. 7 of 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.7 of 2014 : Financial compliance monitoring tool</a></li>\r\n<li><a href=\"documents/pages/circulars/may2014/Final Monitoring Tool.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Final Monitoring Tool</a></li>\r\n</ul>\r\n<p><strong>April 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/april2014/Circular_5_of_2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool</a></li>\r\n<li><a href=\"documents/pages/circulars/april2014/MONITORING_TOOL_2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Monitoring Tool</a></li>\r\n</ul>\r\n<p style=\"font-size: 12.16px; line-height: 15.808px;\"><strong>March 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/Circulars/FAQ.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">FAQ</a></li>\r\n</ul>\r\n<p><strong>February 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/feb2014/Feb2014-Updates Credit Forum .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Updates credit forum</a></li>\r\n</ul>\r\n<p><strong>January 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/jan2014/Registration Renewal Fees Circular.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Registration Renewal Fees Circular</a></li>\r\n</ul>\r\n<p><strong>November 2013</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/nov2013/No12-Nov-Finsense.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Finsense</a></li>\r\n</ul>\r\n<p><strong>April 2013</strong> </p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/april2013/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\" target=\"_blank\" rel=\"noopener noreferrer\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT</a></li>\r\n<li><a href=\"documents/pages/circulars/april2013/Circular 03 of 2013-Amended codes of conduct.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT</a></li>\r\n</ul> -->',1,20,'2019-03-28 13:33:08',915,'','2023-11-17 14:11:35',915,0,'0000-00-00 00:00:00','2019-03-28 13:33:08','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',69,7,'','',1,74683,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(26,129,'Useful contacts','useful-contacts','<p style=\"line-height: 15.8079996109009px;\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:</strong></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING </strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The National Credit Regulator</strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"994\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Reception</td>\r\n<td>: 011 554 2700  </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 011 805 4905</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:info@ncr.org.za\">info@ncr.org.za</a><span style=\"line-height: 1.3em;\"> </span> </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td><span style=\"line-height: 1.3em;\">: PO Box 209, Halfway House, 1685</span>                                                              </td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p style=\"line-height: 15.8079996109009px;\">To request a workshop please forward an email with details to <a href=\"mailto:workshops@ncr.org.za\">workshops@ncr.org.za</a> </p>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>CONSUMER PRODUCTS AND SERVICES</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The National Consumer Commission</strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"494\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Telephone</td>\r\n<td>: 086 026 6786</td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 086 151 5229</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:NNetshitomboni@thencc.co.za\">NNetshitomboni@thencc.co.za</a><span style=\"line-height: 1.3em;\"> </span></td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: Private Bag x84, Pretoria </td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>:<strong style=\"line-height: 15.8079996109009px;\"> </strong><a href=\"http://www.nccsa.org.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.nccsa.org.za</a> </td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>BANKING - The Ombudsman for Banking Services</strong></h4>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 128px;\" width=\"589\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Sharecall</td>\r\n<td>: 086 080 0900 </td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>: 011 838 0035/38/39 </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 011 838 0043 </td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:info@obssa.co.za\">info@obssa.co.za</a>  </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: PO Box 6728, JOHANNESBURG, 2000 </td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>: <a href=\"http://www.obssa.co.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.obssa.co.za</a> </td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES</strong> </h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Credit Information Ombud </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"733\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Call centre</td>\r\n<td>: 086 166 2837 </td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>: 011 781 6431</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:ombud@creditombud.org.za\">ombud@creditombud.org.za</a>   </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153 </td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>: <a href=\"http://www.creditombud.org.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.creditombud.org.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>FINANCIAL ADVICE</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Office of the Ombud for Financial Services Providers </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 128px;\" width=\"559\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Sharecall</td>\r\n<td>: 086 032 4766</td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>: 012 470 9080  </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 012 348 3447</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:info@faisombud.co.za\">info@faisombud.co.za</a>  </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: PO Box 74571, Lynwoodridge, 0040</td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>: <a href=\"http://www.faisombud.co.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.faisombud.co.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>INVESTMENTS</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Financial Services Board </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 128px;\" width=\"526\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Toll-free</td>\r\n<td>080 011 0443 / 080 020 2087</td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>012 428 8000</td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>012 347 0211</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>info@fsb.co.za</td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>PO Box 35655, Menlo Park, 0102</td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td><strong style=\"line-height: 15.8079996109009px;\"> </strong><a href=\"http://www.fsb.co.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.fsb.co.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>LIFE ASSURANCE </strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>Ombudsman for Long-term Insurance.</strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 128px;\" width=\"544\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Sharecall</td>\r\n<td>086 066 2837</td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>021 657 5000  </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>021 674 0951  </td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td><a style=\"line-height: 1.3em;\" href=\"mailto:info@ombud.co.za\">info@ombud.co.za</a>  </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>Private Bag X45, Claremont, 7735</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>MEDICAL SCHEME</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Council for Medical Schemes </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 128px;\" width=\"539\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Sharecall</td>\r\n<td>: 086 112 3267</td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>: 012 431 0500  </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 012 431 0560  </td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:support@medicalschemes.com\">support@medicalschemes.com</a>  </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: Private Bag X34, Hatfield, 0028</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>PENSION FUND</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Pension Funds Adjudicator </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"542\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Telephone</td>\r\n<td>: 011 884 8454</td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 011 884 1144 </td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: enquiries-jhb@</td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: PO Box 651826, Benmore, 2010</td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>: <a href=\"http://www.pfa.org.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.pfa.org.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<h4 style=\"line-height: 15.8079996109009px;\"><strong>SHORT-TERM INSURANCE</strong></h4>\r\n<p style=\"line-height: 15.8079996109009px;\"><strong>The Ombudsman for Short-term Insurance </strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"555\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>Sharecall</td>\r\n<td>: 086 072 6890</td>\r\n</tr>\r\n<tr>\r\n<td>Telephone</td>\r\n<td>: 011 726 8900 </td>\r\n</tr>\r\n<tr>\r\n<td>Fax</td>\r\n<td>: 011 726 5501</td>\r\n</tr>\r\n<tr>\r\n<td>Email</td>\r\n<td>: <a style=\"line-height: 1.3em;\" href=\"mailto:info@osti.co.za\">info@osti.co.za</a>  </td>\r\n</tr>\r\n<tr>\r\n<td>Post</td>\r\n<td>: PO Box 32334, Braamfontein, 2017 </td>\r\n</tr>\r\n<tr>\r\n<td>Website</td>\r\n<td>: <a href=\"http://www.osti.co.za\" target=\"_blank\" rel=\"noopener noreferrer\">www.osti.co.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,18,'2019-04-02 11:57:29',915,'','2020-09-15 08:11:21',915,0,'0000-00-00 00:00:00','2019-04-02 11:57:29','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',11,1,'','',1,24565,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(27,131,'Annual Report','annual-report','<table border=\"0\" width=\"650\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p align=\"center\"> </p>\r\n </td>\r\n<td>\r\n<p align=\"center\"><img src=\"documents/pages/Annual%20Reports/annual_2022_2023.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/pages/Annual%20Reports/29 September 2023 - NCR Annual Reports.pdf\">Annual Report 2022/2023</a></p>\r\n </td>\r\n<td> </td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p align=\"center\"><img src=\"documents/pages/Annual%20Reports/annual_report_2022.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/pages/Annual%20Reports/30 September 2022 - NCR Annual Report 2022.pdf\">Annual Report 2021/2022</a></p>\r\n </td>\r\n<td>\r\n<p align=\"center\"><img src=\"documents/pages/Annual%20Reports/annual_-report_2020_2021.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/pages/Annual%20Reports/NCR-AR2020-2021.pdf\">Annual Report 2020/2021</a></p>\r\n </td>\r\n<td>\r\n<p align=\"center\"><img src=\"documents/pages/Annual%20Reports/annual_report_2019_2020.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/pages/Annual%20Reports/NCR_AnnualReport_2019-2020_2611.pdf\">Annual Report 2019/2020</a></p>\r\n </td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p align=\"center\"><img src=\"documents/pages/Annual%20Reports/Cover19P1.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/pages/Annual%20Reports/NCR%20AR%202018.2019.pdf\">Annual Report 2018/2019</a></p>\r\n </td>\r\n<td align=\"center\" valign=\"top\">  <img src=\"documents/pages/Annual%20Reports/annual_cover_18.jpg\" alt=\"\" width=\"150\" /><br /> <br /><a href=\"documents/pages/Annual Reports/NCR Annual Report 2017-18.pdf\">Annual Report 2017/2018</a></td>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_7.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR Annual Report 2017.pdf\">Annual Report 2016/2017</a></p>\r\n </td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR Annual Report 2015-16.pdf\">Annual Report 2015/2016</a></p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_2.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR ANNUAL REPORT 2014-15.pdf\">Annual Report 2014/2015</a></p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_5.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR AR 2014 lr.pdf\">Annual Report 2013/2014</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_4.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR ANNUAL REPORT 2012-13.pdf\">Annual Report 2012/2013</a></p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_3.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/NCR Annual Report 2011-12.pdf\">Annual Report 2011/2012</a></p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><img src=\"images/annual_report/annual_6.jpg\" alt=\"\" width=\"150\" /><br /><br /> <a href=\"documents/2010-11 Annual report.pdf\">Annual Report 2011/2010</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr /></td>\r\n</tr>\r\n<!--<tr>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"3\"><hr></td>\r\n</tr>\r\n<tr>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n<td><p align=\"center\"><img src=\"images/annual_report/annual_1.jpg\" alt=\"\"  width=\"150\"/><br><br>\r\n<a href=\"\">Annual Report 2015/2016</a></p>\r\n</td>\r\n</tr>\r\n--></tbody>\r\n</table>','',1,2,'2019-04-02 12:11:13',915,'','2023-10-02 16:06:39',915,915,'2023-10-02 16:06:39','2019-04-02 12:11:13','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',25,5,'','',1,36716,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(28,132,'Promotion of Access to Information Act','legislation','<p><strong>PAIA Manual</strong></p>\r\n<p> The Promotion of Access to Information Act No.2 of 2000 (“PAIA”) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.</p>\r\n<p><a href=\"documents/NCR UPDATED PAIA MANUAL 2022.pdf\">Click here to download the PAIA Manual</a><br /><br /> <a href=\"documents/PAIA - Form A Request Form.pdf\">Click here to download Request Form</a><br /><br /> <a href=\"documents/PAIA Internal Appeal Form 4.pdf\">Click here to download the PAIA Internal Appeal Form </a></p>\r\n<!--<p><strong>February 2017</strong></p>\r\n<ul>\r\n<li><a title=\"Final Credit Life Insurance Regulations\" href=\"documents/Final Credit Life Insurance Regulations.pdf\" target=\"_blank\">Final Credit Life Insurance Regulations</a></li>\r\n</ul>-->\r\n<p><strong>March 2016</strong></p>\r\n<ul>\r\n<li><a title=\"Review of Limitations on Fees and Interest Rates Regulations\" href=\"documents/Review of Limitations on Fees and Interest Rates Regulations.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Review of Limitations on Fees and Interest Rates Regulations</a></li>\r\n</ul>\r\n<!--<p><strong>July 2015</strong></p>\r\n<ul>\r\n<li><a href=\"publications/Legislation/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Draft Regulations: Limitation of Fees and Interest Rates</a></li>-->\r\n<p> </p>','',1,30,'2019-04-02 12:41:23',915,'','2022-11-24 14:20:17',915,0,'0000-00-00 00:00:00','2019-04-02 12:41:23','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',7,3,'','',1,28692,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(29,133,'Guidelines','guidelines','<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"994\">\r\n<tbody>\r\n<tr>\r\n<td><a href=\"documents/GUIDELINES FOR DEBT COUNSELLORS ON THE SUBMISSION OF FORMS 41 AND 42.pdf\">Guidelines for debt counsellors on the submission of forms 41 and 42</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/GUIDELINE FOR THE DIGITAL SERVICE AND DELIVERY OF NOTICES AND DOCUMENTS.pdf\">Guideline for the digital service and delivery of notices and documents under the national credit act 34 of 2005 (“the nca”)</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\">Explanatory note to the withdrawal guidelines 1 of 2021</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/27 May 2021-Debt Withdrawal  review.pdf\">NCR debt review withdrawal guidelines 2021</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Guidelines For Standard Court Order03.pdf\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Annexure A- Standardized Court Order Template.pdf\">Annexure A- Standardized Court Order Template</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/NCR Guidelines 1-2020 (justified).pdf\">Guidelines for change in circumstance (17.3)</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Guidelines-for-joint-bonds-mortgage-agreements.pdf\">Guidelines for joint bonds/mortgage agreements</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Pension-backed-lending-guidelines.pdf\">Pension backed lending guidelines</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/debt counselling fee structure guideline.pdf\">The debt counselling fee guidelines 2018</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/FEE_GUIDELINE.pdf\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi</a>t</td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Circulars/debt counselling fee structure guideline.pdf\">The debt counselling fee guidelines 2018</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/NCR_Guidelines in Terms of Reg 19(13).pdf\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003/2017</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002/2017 </a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Fee Guideline 12 Jan 2018.pdf\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended</a></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,33,'2019-04-02 12:48:20',915,'','2023-11-13 14:10:50',915,0,'0000-00-00 00:00:00','2019-04-02 12:48:20','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',16,3,'','',1,72591,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(30,134,'Research Reports','research-reports','<table class=\"table table-bordered table-striped\" style=\"width: 648px;\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td style=\"width: 82.2857px;\" align=\"center\">\r\n<p align=\"center\"><strong>June 2021</strong><br /><br /> <img src=\"images/Alternative-Data-Landscape.jpg\" width=\"60\" /></p>\r\n</td>\r\n<td style=\"vertical-align: middle; width: 516.714px;\" valign=\"middle\">\r\n<ul>\r\n<li><a href=\"documents/Alternative Data Landscape in South Africa 24.6.21.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Alternative Data Landscape in South Africa </a></li>\r\n</ul>\r\n </td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\" align=\"center\">\r\n<p align=\"center\"><strong>May 2021</strong><br /><br /> <img src=\"images/NCR-Unsecured-Credit-Study.jpg\" width=\"60\" /></p>\r\n</td>\r\n<td style=\"vertical-align: middle; width: 516.714px;\" valign=\"middle\">\r\n<ul>\r\n<li><a href=\"documents/NCR Unsecured Credit Study - Final Report (Abridged).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal</a></li>\r\n</ul>\r\n </td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\">\r\n<p align=\"center\"><strong>2013</strong><br /><br /> <img src=\"images/NCR-Credit-and-Borrowing-in-South-Africa.jpg\" width=\"60\" /></p>\r\n</td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/july13/NCR Outcomes evaluation of educational workshops.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Outcomes evaluation of educational workshops</a></li>\r\n<li><a href=\"documents/pages/research-reports/jun13/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA’S CREDIT MARKET</a></li>\r\n<li><a href=\"documents/pages/research-reports/jun13/NCR_14.03.2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012</a></li>\r\n<li><a href=\"documents/pages/research-reports/jun13/Investigation on the effectiveness of the alternate dispute.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa</a></li>\r\n<li><a href=\"documents/pages/research-reports/jun13/ADR Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Alternative Dispute Resolution (ADR) summary</a></li>\r\n</ul>\r\n </td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\">\r\n<p align=\"center\"><strong>2012</strong><br /><br /> <img src=\"images/NCR-RESEARCH-ON-THE-INCREASE-OF.jpg\" width=\"60\" /></p>\r\n</td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/aug12/UPL Report 47 Exec Sum.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary</a></li>\r\n<li><a href=\"documents/pages/research-reports/aug12/UPL Report 47 Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2011</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/dec11/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Literature Review on SME Access to Credit in South Africa Final Report</a></li>\r\n<li><a href=\"documents/pages/research-reports/aug11/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Cost of and Access to Credit in South Africa</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2010</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/nov10/Introduction-RevNo1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit law review: setting the scene</a></li>\r\n<li><a href=\"documents/pages/research-reports/nov10/Credit Law Review.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Making Credit Markets Work | A Policy Framework for Consumer Credit</a></li>\r\n<li><a href=\"documents/pages/research-reports/apr10/Final Update Document.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">NCR Task Team on Debt Counselling</a></li>\r\n<li><a href=\"documents/pages/research-reports/apr10/DC survey analysis-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">A Survey conducted by AIA on behalf of the National Credit Regulator</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2009</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/apr09/ncr.zip\" target=\"_blank\" rel=\"noopener noreferrer\">The debt counselling process - challenges to consumers and the credit industry in general</a></li>\r\n<li><a href=\"documents/pages/research-reports/may09/Impact_Assesment.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Impact Assessment Report</a></li>\r\n<li><a href=\"documents/pages/research-reports/jun09/Pricing and Access Summary Cover June 2009.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Pricing of and Access to Consumer Credit</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2008</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/oct08/GARNISHEE-ORDERS-STUDY-REPORT%20Erratum%207%20December%202022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The incidence of and the undesirable practices relating to garnishee orders in South Africa</a></li>\r\n<li><a href=\"documents/pages/research-reports/aug08/South-Africa-compressed-web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">PERC Study Release:</a></li>\r\n<li><a href=\"documents/pages/research-reports/aug08/South-Africa-compressed-web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Information Sharing and SMME Financing in South Africa</a></li>\r\n<li><a href=\"documents/pages/research-reports/apr08/Executive Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Impact Assessment Report</a></li>\r\n<li><a href=\"documents/pages/research-reports/mar08/Livelihoods study.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Access and Use of credit by poor households in Johannesburg</a></li>\r\n<li><a href=\"documents/pages/research-reports/march07/Public Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Livelihoods study of poor households in Johannesburg</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2007</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/march07/Public Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Extension to Households</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 82.2857px;\"><strong>2003</strong></td>\r\n<td style=\"width: 516.714px;\">\r\n<ul>\r\n<li><a href=\"documents/pages/research-reports/aug13/Summary of Findings.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Law Review | August 2003</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,2,'2019-04-02 12:55:33',915,'','2023-05-09 14:33:13',915,0,'0000-00-00 00:00:00','2019-04-02 12:55:33','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',30,4,'','',1,29519,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(31,135,'Circulars','circulars','<p> </p>\r\n<!--<p style=\"font-weight: bold;\">December 2016</p>\r\n<p><a href=\"documents/Circulars/1388AD NCR CIRCULAR 25 OF 2016.pdf\">Circular No. 25/December 2016 - The cost of credit for short-term loans as a result of the MFSA High Court decision</a></p>-->\r\n<p style=\"font-weight: bold;\">Frebruary 2019</p>\r\n<p><a href=\"documents/Circulars/NCR Circular 12 - February 2019.pdf\">Circular 12 of 2019 - Re-seller Credit Bureau Circular on Additional Form 43 Requirements</a></p>\r\n<p style=\"font-weight: bold;\">November 2018</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 11 OF 2018.pdf\">Circular 11 of 2018 - Fraud or Unethical Behaviour</a></p>\r\n<p style=\"font-weight: bold;\">October 2018</p>\r\n<p><a href=\"documents/Circulars/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\">Circular 06 of 2018 - Request for written comments - reckless lending fee category</a></p>\r\n<p style=\"font-weight: bold;\">September 2018</p>\r\n<p><a href=\"documents/Circulars/NCR Circular 05 September 2018.pdf\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline</a></p>\r\n<p style=\"font-weight: bold;\">August 2018</p>\r\n<p><a href=\"documents/Circulars/NCR Circular 04 of August 2018.pdf\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System</a></p>\r\n<p style=\"font-weight: bold;\">April 2018</p>\r\n<p><a href=\"documents/Circulars/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\">Circular 3 of 2018 - NCR New Enhanced Debt Help System</a></p>\r\n<p style=\"font-weight: bold;\">February 2018</p>\r\n<p><a href=\"documents/Circulars/Circular New Debt Counsellor Fees 1.pdf\">Circular no 01 of 2018 -new debt counsellor fees</a></p>\r\n<p style=\"font-weight: bold;\">September 2017</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 14 OF 2017.pdf\">Circular no 14 of 2017 – consumer transfer notice of the lapsed and voluntary de-registered debt counsellors</a></p>\r\n<p style=\"font-weight: bold;\">August 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 12 of 2017- Proposed DC fee structure.pdf\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure</a></p>\r\n<p style=\"font-weight: bold;\">August 2017</p>\r\n<p><a href=\"documents/Circulars/DHS Automated transfers circular .pdf\">Circular 11 of 2017 - dhs new functionalities</a></p>\r\n<p style=\"font-weight: bold;\">August 2017</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 9 OF 2017.pdf\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348</a></p>\r\n<p><a href=\"documents/Circulars/Updated Lapsed Report.xlsx\">Updated Lapsed Report</a></p>\r\n<p style=\"font-weight: bold;\">April 2017</p>\r\n<p><a href=\"documents/Circulars/CIRCULAR 8  CONTACT DETAILS.pdf\">Circular 8 of 2017 – NCR contact details</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 7 - Call Centres.pdf\">Circular 7 of 2017 - debt counselling call centres</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 6 of 2017- Section 71.pdf\">Circular 6 of 2017 - interpretation of section 71 of the nca</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/Circular No5 .pdf\">Circular 5 of 2017 - transfer notice of the files for albert muller – ncrdc 110</a></p>\r\n<p style=\"font-weight: bold;\">March 2017</p>\r\n<p><a href=\"documents/Circulars/1529AD NCR CIRCULAR 4 OF 2017.pdf\">Circular 4 of 2017 – NCR’s banking details have not changed</a></p>\r\n<p style=\"font-weight: bold;\">February 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 03 of 2017- DC fees review.pdf\">Circular 3 of 2017 – review of debt counselling fees</a></p>\r\n<p style=\"font-weight: bold;\">February 2017</p>\r\n<p><a href=\"documents/Circulars/Annual Renewal of Registrations.pdf\">Circular 2 of 2017 – annual renewal of registration</a></p>\r\n<p style=\"font-weight: bold;\">January 2017</p>\r\n<p><a href=\"documents/Circulars/Circular 1 of 2017-DCRS.pdf\">Circular 1 of 2017 – debt counselling rules system</a></p>\r\n<p style=\"font-weight: bold;\">November 2016</p>\r\n<p><a href=\"documents/Circulars/1349AD NCR CIRCULAR 24 OF 2016.pdf\">Circular No. 24/November 2016 replaces Circular No. 2/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines – Guidelines No. 003/2009 and 001/2014.</a></p>\r\n<p style=\"font-weight: bold;\">October 2016</p>\r\n<p><a href=\"documents/Circulars/NCR CIRCULAR 23 OF 2016.pdf\">Circular No. 23 / October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.</a></p>\r\n<p><a href=\"documents/Circulars/SKM_754e16100415260.pdf\">Circular No. 3 / October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended</a></p>\r\n<p style=\"font-weight: bold;\">September 2016</p>\r\n<p><a href=\"documents/Circulars/September_2016/1203AD NCR CIRCULAR 18 OF 2016.pdf\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act</a></p>\r\n<p><a href=\"documents/Circulars/September_2016/Circular No19 Employed Debt Counsellors.pdf\">Circular 19 of 2016: Employed Debt Counsellors</a></p>\r\n<p><strong>July 2016</strong></p>\r\n<p><a title=\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \" href=\"documents/Circulars/July 2016/1120AD NCR CIRCULAR 15 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount </a></p>\r\n<p><a title=\"Circular No. 14 of 2016 : Aternative dispute resolution agents \" href=\"documents/Circulars/July 2016/1119AD NCR CIRCULAR 14 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 14 of 2016: Aternative dispute resolution agents </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">June 2016</strong></p>\r\n<p><a title=\"Circular No. 13 of 2016 : Updates from the credit industry forum \" href=\"documents/Circulars/Circular 13 of 2016- CIF Updates.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 13 of 2016: Updates from the credit industry forum </a></p>\r\n<p><a title=\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \" href=\"documents/Circulars/1090AD NCR Circular 12 of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees</a></p>\r\n<p>C<a title=\"Circular No. 8 of 2016 : The review of limitations on fees and interest\r\nrates regulations \" href=\"documents/Circulars/1051AD NCR CIRCULAR 8 OF 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations </a></p>\r\n<p><a title=\"Circular No. 7 of 2016 : Debt Help System Enhancements \" href=\"documents/Circulars/Circular No7 DHS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 7 of 2016: Debt Help System Enhancements </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">May 2016</strong></p>\r\n<p><a title=\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus \" href=\"documents/Circulars/1060AD NCR Circular 9 Rev 2 (2).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus </a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">March 2016</strong></p>\r\n<p><a title=\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\" href=\"documents/Circulars/Circular No6_Payments of Debt Counsellor fees.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">February 2016</strong></p>\r\n<p><a title=\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\" href=\"documents/Circulars/165 AD NCR Circulars of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 5 of 2016: Payment of Debt Counselling Fees</a></p>\r\n<p><a title=\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\" href=\"documents/Circulars/161AD NCR Circular 4 of 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape</a></p>\r\n<p><a title=\"Circular No. 2/ February 2016\" href=\"documents/Circulars/152AD NCR Circular2 297x210 Rev2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 2/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003/2009</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">January 2016</strong></p>\r\n<p><a title=\"Circular No. 3 of 2016: Annual Renewal of Registration\" href=\"documents/Circulars/154AD NCR Circular 3 of 2016 .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 3 of 2016: Annual Renewal of Registration</a> </p>\r\n<p><a title=\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\" href=\"documents/Circulars/149AD NCR Circular 1 of 2016 297x210.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">November 2015</strong></p>\r\n<p><a href=\"documents/pages/circulars/Nov2015/3594 NCR Circular .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339</a></p>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">September 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/Sep15/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits</a></li>\r\n<li><a href=\"documents/pages/circulars/Sep15/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details</a></li>\r\n<li><a href=\"documents/pages/circulars/Sep15/DC_Information_Update_Form.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt Counsellor information update form</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">August 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/Aug2015/Return Of Funds - Circular 13-2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts</a> </li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">July 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/July2015/Circ 12-Aug20151.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 12 of 2015: Replacement of Registration Certificates</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">February 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/feb2015/Transfer%20Notice.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 07 of 2015: Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/Fraud%20Circ%20(02-2015)1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 06 of 2015: Fraud or Unethical Behavior</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/TTA Guidelines Final .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 02 of 2015: Debt Review Task Team Agreements</a></li>\r\n<li><a href=\"documents/pages/circulars/feb2015/Withdrawal from debt review guidelines.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 002 of 2015: Withdrawal Guidelines</a> </li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">January 2015</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/jan2015/Circ 04-Jan15 - Proposed process for end balance differences.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 04 of 2015:  Proposed Process for End Balance Differences</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Debt Review Task Team Agreements.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 02 of 2015: Debt Review Task Team Agreements</a></li>\r\n<li><a href=\"documents/pages/circulars/jan2015/Industry DevTrends and Practices.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 01 of 2015: Industry Developments, Trends and Practices</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">December 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/dec2014/Cirular 18 Festive Breaks .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 18 of 2014: Debt Counselling Festive Breaks</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Compilation Registrants 16.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Circular 15 - DCRS.PDF\">Circular No 15 of 2014: Debt Counselling Rules System</a></li>\r\n<li><a href=\"documents/pages/circulars/dec2014/Circular 14 - Termination Notices.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 14 of 2014: Section 86(10) Termination Notices</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">November 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/nov2014/Circular (Voluntary Debt Mediation).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No 13 of 2014: Voluntary Debt Mediation</a></li>\r\n</ul>\r\n<p><strong style=\"line-height: 15.8079996109009px;\">October 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/october14/Circular Lapse of Reg.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.11 of 2014 - Lapse Of Registration</a></li>\r\n</ul>\r\n<p><strong>September 2014</strong></p>\r\n<ul>\r\n<li><strong><a href=\"documents/pages/circulars/sep2014/Circular Lapse of Reg.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.11 of 2014 : Lapse Of Registration</a></strong></li>\r\n</ul>\r\n<p><strong>June 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/june2014/Circular (No.09-2014).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries</a></li>\r\n</ul>\r\n<p><strong>May 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/may2014/Circular (No.08-2014).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.8 of 2014 : Update from Credit Industry Forum</a></li>\r\n<li><a href=\"documents/pages/circulars/may2014/Circular no. 7 of 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.7 of 2014 : Financial compliance monitoring tool</a></li>\r\n<li><a href=\"documents/pages/circulars/may2014/Final Monitoring Tool.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Final Monitoring Tool</a></li>\r\n</ul>\r\n<p><strong>April 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/april2014/Circular_5_of_2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool</a></li>\r\n<li><a href=\"documents/pages/circulars/april2014/MONITORING_TOOL_2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Monitoring Tool</a></li>\r\n</ul>\r\n<p style=\"font-size: 12.16px; line-height: 15.808px;\"><strong>March 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/Circulars/FAQ.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">FAQ</a></li>\r\n</ul>\r\n<p><strong>February 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/feb2014/Feb2014-Updates Credit Forum .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Updates credit forum</a></li>\r\n</ul>\r\n<p><strong>January 2014</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/jan2014/Registration Renewal Fees Circular.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Registration Renewal Fees Circular</a></li>\r\n</ul>\r\n<p><strong>November 2013</strong></p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/nov2013/No12-Nov-Finsense.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Finsense</a></li>\r\n</ul>\r\n<p><strong>April 2013</strong> </p>\r\n<ul>\r\n<li><a href=\"documents/pages/circulars/april2013/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\" target=\"_blank\" rel=\"noopener noreferrer\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT</a></li>\r\n<li><a href=\"documents/pages/circulars/april2013/Circular 03 of 2013-Amended codes of conduct.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT</a></li>\r\n</ul>','',-2,2,'2019-04-02 13:32:48',915,'','2019-04-02 13:32:48',0,0,'0000-00-00 00:00:00','2019-04-02 13:32:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,0,'','',1,110,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(32,136,'Background Documents on the NCA','background-documents-on-the-nca','<h4>Credit law review: setting the scene</h4>\r\n<p><img src=\"images/NCA_document_1.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Introduction-RevNo1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view the Credit law review: setting the scene</a></p>\r\n<hr />\r\n<h4>Credit Law Review | August 2003</h4>\r\n<p><img src=\"images/NCA_document_2.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Summary of Findings.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view the Credit Law Review</a></p>\r\n<hr />\r\n<h4>Making Credit Markets Work | A Policy Framework for Consumer Credit</h4>\r\n<p><img src=\"images/NCA_document_3.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Credit Law Review.pdf\">Click here to view the Making Credit Markets Work</a></p>','',1,19,'2019-04-02 14:17:22',915,'','2019-04-02 14:23:46',915,0,'0000-00-00 00:00:00','2019-04-02 14:17:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,1,'','',1,82303,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(33,137,'Educational Information And Brochures','educational-information-and-brochures','<table border=\"0\" width=\"600\" cellpadding=\"5\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\"><strong>Section 127 of the national credit act – surrender of goods – FAQ\'S</strong></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\"><a href=\"documents/NCR_SECTION 127 OF THE NATIONAL CREDIT ACT – SURRENDER OF GOODS – FAQ’s.pdf\"> <img src=\"documents/Brochures/section_127.jpg\" alt=\"\" width=\"111\" /><br /><br /> SASBO section 127 NCA </a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong>Debt Counselling</strong></td>\r\n<td><strong>The National Credit Act and the National Credit Regulator</strong></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td valign=\"top\"><img src=\"documents/Brochures/dc_brochure.jpg\" alt=\"\" width=\"76\" height=\"155\" /> </td>\r\n<td valign=\"top\"><img src=\"images/NCRA.jpg\" alt=\"\" height=\"155\" /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td>\r\n<p>Please choose language</p>\r\n<ul>\r\n<li><a href=\"documents/Brochures/NCR_afrikaans.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Afrikaans</a></li>\r\n<li><a href=\"documents/Brochures/NCR_english.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">English</a></li>\r\n<li><a href=\"documents/Brochures/NCR_ndebele.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Ndebele</a></li>\r\n<li><a href=\"documents/Brochures/NCR_sepedi.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Sepedi</a></li>\r\n<li><a href=\"documents/Brochures/NCR_sotho.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Sesotho</a></li>\r\n<li><a href=\"documents/Brochures/NCR_tswana.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Setswana</a></li>\r\n<li><a href=\"documents/Brochures/NCR_siswati.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Swati</a></li>\r\n<li><a href=\"documents/Brochures/NCR_tshivenda.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Venda</a></li>\r\n<li><a href=\"documents/Brochures/NCR_xhosa .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xhosa</a></li>\r\n<li><a href=\"documents/Brochures/NCR_xitsonga.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xitsonga</a></li>\r\n<li><a href=\"documents/Brochures/NCR_zulu.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Zulu</a></li>\r\n</ul>\r\n </td>\r\n<td valign=\"top\">Please choose language\r\n<ul>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Afrikaans.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Afrikaans</a></li>\r\n<li><a href=\"brochures/Ncra/1475AD NCR NCAA Brochure ENG.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">English</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Ndebele.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Ndebele</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Pedi.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Sepedi</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Sesotho.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Sesotho</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Tswana.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Setswana</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure swati.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Swati</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Venda.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Venda</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Xhosa.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xhosa</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure Xitsonga.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xitsonga</a></li>\r\n<li><a href=\"brochures/Ncra/NCR NCAA Brochure ZULU.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Zulu</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td>\r\n<p><strong>Debt counselling frequently asked questions</strong></p>\r\n<a href=\"documents/Brochures/NCR - DEBT COUNSELLING V2.pdf\"><img src=\"documents/Brochures/NCR---DEBT-COUNSELLING-V2.jpg\" /></a></td>\r\n<td>\r\n<p><strong>Credit life insurancefrequently asked <br /> questions</strong></p>\r\n<a href=\"documents/Brochures/NCR - CREDIT LIFE INSURANCE V2.pdf\"><img src=\"documents/Brochures/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\" /></a></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,20,'2019-04-02 14:53:30',915,'','2021-10-19 14:39:36',915,915,'2021-10-19 14:39:36','2019-04-02 14:53:30','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',44,6,'','',1,32232,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(34,138,'Public Notices','public-notices','<p><strong>2015</strong></p>\r\n<p><a href=\"images/Public Notices/Debt Counselling Explained Advert.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt Counselling Explained</a></p>\r\n<p><a href=\"images/Public%20Notices/Debt Counselling Explained Advert.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><img src=\"images/Public Notices/ts01.jpg\" alt=\"\" width=\"142\" height=\"175\" /></strong></a></p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>2014</strong></p>\r\n<p><a href=\"images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Spend wisely borrow wisely</a></p>\r\n<table style=\"height: 406px;\" width=\"352\">\r\n<tbody>\r\n<tr>\r\n<td><a href=\"images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/Public Notices/always_make_sure.jpg\" alt=\"\" width=\"157\" height=\"192\" /></a></td>\r\n<td><a href=\"images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/Public Notices/dont-be-tempted.jpg\" alt=\"\" width=\"157\" height=\"192\" /></a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/Public Notices/ids.jpg\" alt=\"\" width=\"157\" height=\"192\" /></a></td>\r\n<td><a href=\"images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/Public Notices/legally-allowed.jpg\" alt=\"\" width=\"157\" height=\"192\" /></a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<p> </p>\r\n<p><strong>2012</strong></p>\r\n<p><a href=\"documents/pages/articles/Advertorial NCR A4(Press).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">THE NCR CALLS FOR CAUTION IN THE GRANTING OF UNSECURED CREDIT</a></p>\r\n<p><a href=\"documents/pages/articles/Advertorial%20NCR A4(Press).pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/consumer_market_report/Media.jpg\" alt=\"\" /></a></p>\r\n<hr />\r\n<p><strong>2011</strong></p>\r\n<p><a href=\"documents/pages/articles/Advertorial NCR A4(Press).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Exchange of money</a></p>\r\n<p><a href=\"documents/pages/articles/Advertorial%20NCR A4(Press).pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/consumer_market_report/adverts.jpg\" alt=\"\" /></a></p>\r\n<hr />\r\n<p><strong>2010</strong></p>\r\n<p><a href=\"documents/pages/articles/Billboard Web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Make the right choices</a></p>\r\n<p><a href=\"documents/pages/articles/Billboard%20Web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/consumer_market_report/billboardweb.jpg\" alt=\"\" /></a></p>\r\n<hr />\r\n<p><strong>2009</strong></p>\r\n<p><a href=\"documents/pages/articles/09260_Ad_Spend Wisely_09_30x22.5_low.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Tighten your belt</a></p>\r\n<p><a href=\"documents/pages/articles/09260_Ad_Spend%20Wisely_09_30x22.5_low.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/consumer_market_report/belt.jpg\" alt=\"\" /></a></p>\r\n<hr />\r\n<p><strong>2008</strong></p>\r\n<p><a href=\"documents/pages/articles/Spend Wisely Ad.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">A message from the National Credit Regulator</a></p>\r\n<p><a href=\"documents/pages/articles/Spend%20Wisely Ad.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/consumer_market_report/message.jpg\" alt=\"\" /></a></p>','',1,20,'2019-04-03 12:40:48',915,'','2019-04-03 12:45:23',915,0,'0000-00-00 00:00:00','2019-04-03 12:40:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,5,'','',1,32481,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(35,140,'Challenge Credit Record','challenge-credit-record','<p>When a <strong>consumer</strong> requests a <strong>credit</strong> report, the said report must disclose  identical information to that which will be displayed should such a  report be provided to a third party.</p>\r\n<p> </p>\r\n<p><strong>If the accuracy of the consumer credit information is challenged by a consumer, </strong></p>\r\n<p><strong>the following steps should be taken:</strong></p>\r\n<ol>\r\n<li>The consumer must contact the credit bureau concerned to raise an objection or lodge a complaint (either TransUnion ITC or Experian);</li>\r\n<li>The bureau has 20 business days in which to resolve the issue;</li>\r\n<li>If the bureau is unable to resolve the issue, the consumer should refer the matter to the <a href=\"http://www.creditombud.org.za/\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Information Ombudsman (CIO)</a>;</li>\r\n<li>Should the CIO be unable to find a resolution, the NCR will intervene on the request of the CIO.</li>\r\n</ol>\r\n<p>Note that the <strong>National Credit</strong>  Regulator will not be able to deal with the complaint until the complainant has first contacted the credit bureau.</p>\r\n<p><strong>Call center numbers of the credit bureau</strong></p>\r\n<table class=\"table table-bordered table-striped\" style=\"line-height: 15.8079996109009px; height: 65px;\" width=\"576\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<th style=\"text-align: left;\" colspan=\"2\">TransUnion ITC</th>\r\n<th style=\"text-align: left;\" colspan=\"2\">Experian</th>\r\n</tr>\r\n<tr>\r\n<td><strong>Consumer</strong></td>\r\n<td>0861 482 482 </td>\r\n<td><strong>Consumer</strong></td>\r\n<td>0861 105 665</td>\r\n</tr>\r\n<tr>\r\n<td><strong>Credit Provider</strong></td>\r\n<td>0861 482 482</td>\r\n<td><strong>Credit Provider</strong></td>\r\n<td>0861 636 070</td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,15,'2019-04-03 13:17:08',915,'','2019-04-03 13:17:08',0,0,'0000-00-00 00:00:00','2019-04-03 13:17:08','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,4,'','',1,81927,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(36,141,'Consumer Rights','consumer-rights','<ul>\r\n<li><a href=\"documents/pages/NCR+KNOW+YOUR+CREDIT_POSTER+REVISION.compressed.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Know your credit status</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=2&amp;Itemid=431\">As a South African Consumer,you have the right to:</a></li>\r\n<li><a href=\"documents/pages/ENGLISH.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">All you need to know about the <strong>National Credit</strong> Act as a <strong>consumer</strong></a></li>\r\n</ul>\r\n<p><strong>Brochures</strong></p>\r\n<p><strong><img src=\"images/brochure1.jpg\" alt=\"\" width=\"76\" height=\"155\" /></strong></p>\r\n<p>Please choose language:</p>\r\n<!--<ul>\r\n<li><a href=\"documents/Brochures/NCR+Information+brochure+english.pdf\" target=\"_blank\">English</a></li>\r\n<li><a href=\"documents/Brochures/Afrikaans+brochure.compressed.pdf\" target=\"_blank\">Afrikaans</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Brochure_swati.pdf\" target=\"_blank\">Swati</a></li>\r\n<li><a href=\"documents/Brochures/Ndebele-Brochure.pdf\" target=\"_blank\">Ndebele</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Sesotho+Information+brochure.pdf\" target=\"_blank\">Sesotho</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Northern+Sotho+brochure.pdf\" target=\"_blank\">Northern Sotho</a></li>\r\n<li><a href=\"documents/Brochures/Tswana-Brochure.pdf\" target=\"_blank\">Setswana</a></li>\r\n<li><a href=\"documents/Brochures/Venda+brochure.pdf\" target=\"_blank\">Venda</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Brochure_Xhosa.pdf\" target=\"_blank\">Xhosa</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Brochure_Xitshonga.pdf\" target=\"_blank\">Xitsonga</a></li>\r\n<li><a href=\"documents/Brochures/NCR+Brochure_Zulu.pdf\" target=\"_blank\">Zulu</a></li>\r\n</ul>-->\r\n<table class=\"table table-bordered table-striped\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td><a href=\"documents/Brochures/NCR+Information+brochure+english.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">English</a></td>\r\n<td><a href=\"documents/Brochures/Afrikaans+brochure.compressed.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Afrikaans</a></td>\r\n<td><a href=\"documents/Brochures/NCR+Brochure_swati.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Swati</a></td>\r\n<td><a href=\"documents/Brochures/Ndebele-Brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Ndebele</a></td>\r\n<td><a href=\"documents/Brochures/NCR+Sesotho+Information+brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Sesotho</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Brochures/NCR+Northern+Sotho+brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Northern Sotho</a></td>\r\n<td><a href=\"documents/Brochures/Tswana-Brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Setswana</a></td>\r\n<td><a href=\"documents/Brochures/Venda+brochure.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Venda</a></td>\r\n<td><a href=\"documents/Brochures/NCR+Brochure_Xhosa.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xhosa</a></td>\r\n<td><a href=\"documents/Brochures/NCR+Brochure_Xitshonga.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Xitsonga</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"documents/Brochures/NCR+Brochure_Zulu.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Zulu</a></td>\r\n<td colspan=\"4\"> </td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,15,'2019-04-03 13:34:20',915,'','2019-04-04 13:36:26',915,0,'0000-00-00 00:00:00','2019-04-03 13:34:20','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',4,3,'','',1,29887,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(37,142,'Consumer Tips','consumer-tips','<table border=\"0\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td><img src=\"images/advert_11.jpg\" alt=\"\" height=\"390\" /></td>\r\n<td><img src=\"images/advert_12.jpg\" alt=\"\" height=\"390\" /></td>\r\n</tr>\r\n<tr>\r\n<td><img src=\"images/advert_13.jpg\" alt=\"\" height=\"390\" /></td>\r\n<td><img src=\"images/advert_14.jpg\" alt=\"\" height=\"390\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,15,'2019-04-04 13:47:36',915,'','2020-10-13 15:23:57',915,0,'0000-00-00 00:00:00','2019-04-04 13:47:36','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',11,2,'','',1,42230,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(38,143,'Get Help','get-help','<table class=\"table table-bordered table-striped\" border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td><a href=\"index.php?option=com_content&amp;view=article&amp;id=22\">Over-Indebtedness</a></td>\r\n</tr>\r\n<tr>\r\n<td><a href=\"index.php?option=com_content&amp;view=article&amp;id=23\">Consumer Assistance</a></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,15,'2019-04-09 13:33:43',915,'','2019-04-09 13:36:39',915,0,'0000-00-00 00:00:00','2019-04-09 13:33:43','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,1,'','',1,12994,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(39,146,'NCR BBBEE Certificate','ncr-bbbee-certificate','<p><a href=\"documents/Final Certificate - National Credit Regulator (NCR) BE12781-021023.pdf\">Click here</a> to view the NCR BBBEE CERTIFICATE</p>','',1,23,'2019-04-11 09:28:11',915,'','2023-10-10 11:07:58',915,0,'0000-00-00 00:00:00','2019-04-11 09:28:11','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',8,1,'','',1,20881,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(40,148,'Registration as an Alternative Dispute Resolution Agent','registration-as-an-alternative-dispute-resolution-agent-adr','<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the </strong><strong>National Credit Amendment Act, 19 of 2014:</strong></p>\r\n<ol>\r\n<li>An application for registration as an alternative dispute resolution agent must contain:-\r\n<ul>\r\n<li>an overview of an applicant’s capabilities and background in providing alternative dispute resolution services including a description of the applicant’s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;</li>\r\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;</li>\r\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;</li>\r\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;</li>\r\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;</li>\r\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;</li>\r\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.</li>\r\n</ul>\r\n</li>\r\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\r\n<ul>\r\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;</li>\r\n<li>propose a list of at least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;</li>\r\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;</li>\r\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;</li>\r\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;</li>\r\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;</li>\r\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;</li>\r\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;</li>\r\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.</li>\r\n</ul>\r\n</li>\r\n<li><strong>Education</strong>: The applicant or a person appointed to deal with disputes must meet the following requirements -  \r\n<ul>\r\n<li>A 3 (three) year post matric qualification; and</li>\r\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\r\n<ul>\r\n<li>Alternative dispute resolution;</li>\r\n<li>Financial management;</li>\r\n<li>Business management;</li>\r\n<li>Governance &amp; compliance;</li>\r\n<li>Customer service.</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n</li>\r\n<li><strong>Experience and Competence: </strong>\r\n<ul>\r\n<li>The nominated personnel and adjudicators must be experts in the following areas:\r\n<ul>\r\n<li>Consumer law;</li>\r\n<li>Credit law;</li>\r\n<li>Commercial law;</li>\r\n<li>Cultural rights;</li>\r\n<li>Religious rights; and</li>\r\n<li>Personal rights.</li>\r\n</ul>\r\n</li>\r\n<li>Must demonstrate the ability to:-\r\n<ul>\r\n<li>provide mediation, conciliation or arbitration skills.</li>\r\n</ul>\r\n</li>\r\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:–\r\n<ul>\r\n<li>debt collection;</li>\r\n<li>the operation of a credit bureau;</li>\r\n<li>credit provision; or</li>\r\n<li>the operations of a payment distribution agent.</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n</li>\r\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.</strong></li>\r\n</ol>\r\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit</strong><strong>Amendment Act, 19 of 2014</strong><strong>:</strong></p>\r\n<ol>\r\n<li>Completed and signed application form (Form 47);</li>\r\n<li>Companies and Intellectual Property Commission  ( CIPC ) registration document or other official registration document;</li>\r\n<li>Copy of the company’s share certificate (if applicable);</li>\r\n<li>Certified copies of ID/Passports of all the members/directors/shareholders, adjudicators and nominated employee of the applicant;</li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/adr/Resolution - ADR.DOC\" target=\"_blank\" rel=\"noopener noreferrer\">Resolution</a> (specimen attached).</li>\r\n<li>A Criminal Clearance Certificates for all the members/directors/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\"documents/pages/registration&amp;compliance/adr/FINGERPRINTS LIST APRIL 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\"> attached hereto</a> marked  “<strong>A</strong>”. The clearance certificate must not be older than six (6) months.</li>\r\n<li>Proof of payment of the registration fees:</li>\r\n<ul>\r\n<li>Non-refundable application fee of R550.00;</li>\r\n<li>Initial registration fee of R20 000.00;</li>\r\n<li>Branch fee of R250.00 per location or premises;</li>\r\n</ul>\r\n<li>A letter from the bank confirming the applicant’s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.</li>\r\n<li>Auditor’s/accounting officer’s letter of appointment;</li>\r\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;</li>\r\n<li>A certified copy of the mediation, conciliation or arbitration certificate;</li>\r\n<li>Copy of the applicant’s, nominated employee’s and adjudicator’s curriculum vitae (CV).</li>\r\n<li>A certified copy of the applicant’s nominated employee’s and adjudicators’ highest qualification certificates.</li>\r\n</ol>\r\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za</em></strong></p>','',1,24,'2019-04-11 09:44:57',915,'','2021-04-29 13:56:16',915,0,'0000-00-00 00:00:00','2019-04-11 09:44:57','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',14,3,'','',1,7645,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(41,150,'Registration as a Payment Distribution Agents','registration-as-a-payment-distribution-agent-pda','<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the </strong><strong>National Credit </strong><strong>Amendment Act, 19 of 2014:</strong></p>\r\n<p>(1) A natural person may not be registered as a payment distribution agent (“PDA”).</p>\r\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (“the Act”) must meet the following requirements in terms of Regulation 10A.</p>\r\n<p>(a) <strong><u>Education</u></strong></p>\r\n<ul>\r\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;</li>\r\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (“NCR”) and provided by an accredited training institution;</li>\r\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.</li>\r\n</ul>\r\n<p><strong>(b) <u>Experience</u></strong></p>\r\n<p>The PDA must have an executive director:-</p>\r\n<ul>\r\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;</li>\r\n<li>who is a person with good record of managing the finances of the company.</li>\r\n</ul>\r\n<p><strong>(c) <u>Competence</u></strong></p>\r\n<p>A person applying to be registered as a PDA must:-</p>\r\n<ul>\r\n<li>have sufficient human, financial, and operational  resources  to carry out  the functions of  PDA efficiently and effectively;</li>\r\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;</li>\r\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;</li>\r\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;</li>\r\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);</li>\r\n<li>have a board of directors/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;</li>\r\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.</li>\r\n</ul>\r\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.</p>\r\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.</p>\r\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.</p>\r\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act</u></strong><u> </u></p>\r\n<ol>\r\n<li>Completed and signed application form (form 46).</li>\r\n<li>Companies and Intellectual Property Commission (CIPC) registration document.</li>\r\n<li>Copy of the company’s share certificate (if applicable).</li>\r\n<li>Certified copies of ID/Passports of all the members or directors of the company.</li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/pda/Resolution- PDA.DOC\" target=\"_blank\" rel=\"noopener noreferrer\">Resolution</a> (see attached specimen).</li>\r\n<li>A Criminal Clearance Certificate for all the members/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\"documents/pages/registration&amp;compliance/pda/FINGERPRINTS LIST APRIL 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">attached hereto</a> marked A. The clearance certificate must not be older than six (6) months.</li>\r\n<li>A bank guarantee letter for R5 million in favour of the NCR.</li>\r\n<li>Confirmation of indemnity cover.</li>\r\n<li>Proof of payment of the registration fees:\r\n<ul>\r\n<li>  Non-refundable application fee of R550.00;</li>\r\n<li>  Initial registration fee of R100 000.00;</li>\r\n<li>Branch fee of R250.00 per location or premises.</li>\r\n</ul>\r\n</li>\r\n<li>A letter from the bank confirming the applicant’s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.</li>\r\n<li>Auditors/accounting officer’s letter of appointment.</li>\r\n<li>Proof of registration with the Payment Association of South Africa (PASA).</li>\r\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).</li>\r\n<li>Group/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).</li>\r\n<li>Information of the executive, non-executive directors/members;\r\n<ul>\r\n<li>Name of employee;</li>\r\n<li>Position in organization;</li>\r\n<li>Qualifications;</li>\r\n<li>Experience (number of months, years in current role and similar role).</li>\r\n</ul>\r\n</li>\r\n<li>Copy of the latest management accounts (if applicable).</li>\r\n<li>Copy of the latest annual financial statements (if applicable).</li>\r\n<li>Copy of information security policy.</li>\r\n<li>   Business continuity management plan.</li>\r\n<li>Fraud prevention policy.</li>\r\n<li>Human resource policies.,</li>\r\n<li>Copy of disaster recovery plan.</li>\r\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.</li>\r\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant’s own cost <a href=\"documents/pages/registration&amp;compliance/pda/Audit review requirements for PDAs.docx\" target=\"_blank\" rel=\"noopener noreferrer\">(scope of work attached)</a>.</li>\r\n</ol>\r\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\"mailto:\">registrations@ncr.org.za</a></em></strong></p>','',1,25,'2019-04-11 10:02:29',915,'','2021-04-29 14:05:02',915,0,'0000-00-00 00:00:00','2019-04-11 10:02:29','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',18,3,'','',1,4360,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(42,152,'Registration as a Debt Counsellor','registration-as-a-debt-counsellor','<p> The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.</p>\r\n<p>Debt counsellors will conduct independent enquiries into consumers’ financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements. </p>\r\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:</strong> </p>\r\n<p>1. Applicant must be 18 years or older <br /> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i).   <br /> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br /> The following training service providers are approved by the National Credit Regulator to offer DC course:</p>\r\n<table class=\"table table-bordered table-striped\" border=\"0\" width=\"550\">\r\n<tbody>\r\n<tr>\r\n<td><strong>Institution name</strong></td>\r\n<td><strong>Email Address</strong></td>\r\n<td><strong>Contact Number</strong></td>\r\n</tr>\r\n<tr>\r\n<td>University of pretoria enterprise</td>\r\n<td><a href=\"mailto:charlotte.vansittert@up.ac.za\"> charlotte.vansittert@up.ac.za</a></td>\r\n<td>012 434 2500/5235</td>\r\n</tr>\r\n<tr>\r\n<td>Business Skills Institute</td>\r\n<td><a href=\"mailto:info@bsi-institute.co.za\">info@bsi-institute.co.za</a></td>\r\n<td>Tel: +27 21 111 0580 / Cell number : 082 441 0941</td>\r\n</tr>\r\n<tr>\r\n<td>Rudo consulting</td>\r\n<td><a href=\"mailto:thabo@rudocon.co.za\">thabo@rudocon.co.za</a></td>\r\n<td>012 663 3251/082 871 5586 , 076 156 8366</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<!--<ul>\r\n<li>University of Pretoria         012 420 5015</li>\r\n<li>Damelin                             011 242 3400</li>\r\n<li>RUDO                                 012 663 3251</li>\r\n<li>Compuscan Academy         021 888 6048</li>\r\n<li>Summit Financial Partners  087 806 1000</li>\r\n</ul>-->\r\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;</p>\r\n<ul>\r\n<li>Consumer Protection;</li>\r\n<li>Complaints Resolution;</li>\r\n<li>Consumer Advisory Services;</li>\r\n<li>Legal or Paralegal Services;</li>\r\n<li>Accounting or financial services;</li>\r\n<li>Education or training of individuals;</li>\r\n<li>Counselling of individuals;</li>\r\n<li>General Business Environment.</li>\r\n</ul>\r\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate‘s court Act 32 of 1944 <br /> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br /> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in –</p>\r\n<ul>\r\n<li>Debt collection;</li>\r\n<li>The operation of a credit bureau;</li>\r\n<li>Credit provision.</li>\r\n</ul>\r\n<p>8. The person must demonstrate ability to manage his / her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br /> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the </strong><strong>National Credit Amendment Act, 19 of 2014</strong><strong>:</strong><br /> <strong>Please note that your application will not be processed and/or considered without the following:</strong><br /> 1. Completed and signed application form (Form 4).<br /> 2. A <em>certified</em> copy of your identity or passport document. If non south African Citizen, please provide a <em>certified c</em>opy of valid work permit<br /> 3. A <em>certified </em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (“SAQA”). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (“SAQA”).  <br /> 4. A <em>certified</em> copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br /> 5. Proof of registration with the South African Revenue Services (SARS).<br /> 6. A copy of your Curriculum Vitae (“CV”) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br /> 7.   A Criminal Clearance Certificate issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\"documents/pages/registration&amp;compliance/debt_counsellors/FINGERPRINTS LIST APRIL 2021.xlsx\">attached hereto</a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br /> 8. Proof of payment of the registration fees:</p>\r\n<ul>\r\n<li>Non-refundable application fee of R550;</li>\r\n<li>Initial registration fee R500;</li>\r\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.</li>\r\n</ul>\r\n<p>9. A letter from the bank confirming your banking details or a copy of a cancelled blank cheque or a stamped bank statement.</p>\r\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider</em></strong></p>\r\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za</em></strong></p>','',1,26,'2019-04-11 10:27:51',915,'','2023-05-09 12:48:33',915,915,'2023-05-09 12:48:33','2019-04-11 10:27:51','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',26,3,'','',1,6259,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(43,154,'Registration as a Credit Provider','registration-as-a-credit-provider','<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:</strong></p>\r\n<ol>\r\n<li>A person must apply for registration as a credit provider if that person is-\r\n<ul>\r\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;</li>\r\n<li>The party who advances money or credit under a pawn transaction;</li>\r\n<li>The party who extends credit under a credit facility;</li>\r\n<li>The mortgagee under a mortgage agreement;</li>\r\n<li>The lender under a secured loan;</li>\r\n<li>The lessor under a lease;</li>\r\n<li>The party to whom an assurance or promise is made under a credit guarantee;</li>\r\n<li>The party who advances money or credit to another under any other credit agreement; or</li>\r\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.</li>\r\n</ul>\r\n</li>\r\n<li>A juristic person or a natural person may apply for registration as a credit provider.</li>\r\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.</li>\r\n</ol>\r\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:</strong></p>\r\n<p><strong>Please note that your application will not be processed and/or considered without the following:</strong></p>\r\n<ol>\r\n<li>Completed and signed application form (Form 2)</li>\r\n<li> Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.</li>\r\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\r\n<ul>\r\n<li>Certified copy of the identity document.</li>\r\n<li>Part 7 (disqualification of natural person form)</li>\r\n<li>Criminal clearance certificate not older than six (6) months)</li>\r\n</ul>\r\n</li>\r\n<li>Certified copies of ID/Passports of all members/directors/shareholders/trustees/partners/sole proprietors.</li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_providers/Resolution.doc\" target=\"_blank\" rel=\"noopener noreferrer\">Resolution</a> if applicant is a juristic person (see attached specimen).</li>\r\n<li>A Criminal Clearance Certificate for all the members/directors/shareholders/trustees/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\"documents/pages/registration&amp;compliance/credit_providers/FINGERPRINTS LIST APRIL 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">attached hereto</a> marked A. The clearance certificate must not be older than six (6) months.</li>\r\n<li>A signed and stamped letter from the bank confirming the applicant’s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.</li>\r\n<li>Proof of registration with the South African Revenue Services (SARS).</li>\r\n<li>Proof of payment of the registration fees\r\n<ul>\r\n<li>Non-refundable application fee of R550</li>\r\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.</li>\r\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant</li>\r\n</ul>\r\n</li>\r\n</ol>\r\n<table class=\"table table-bordered table-striped\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"147\">\r\n<p><strong>Fee Category</strong></p>\r\n</td>\r\n<td width=\"417\">\r\n<p><strong>Description</strong></p>\r\n</td>\r\n<td width=\"510\">\r\n<p><strong>Fee</strong></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>Category 1</p>\r\n</td>\r\n<td>\r\n<p>Total principal debt equal or greater than R15 billion</p>\r\n</td>\r\n<td>\r\n<p>R330 000</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>Category 2</p>\r\n</td>\r\n<td>\r\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion</p>\r\n</td>\r\n<td>\r\n<p>R190 000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>Category 3</p>\r\n</td>\r\n<td>\r\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion</p>\r\n</td>\r\n<td>\r\n<p>R70 000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>Category 4</p>\r\n</td>\r\n<td>\r\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion</p>\r\n</td>\r\n<td>\r\n<p>R16 000 plus 0,005% of the amount by which the total principal debt exceeds R100 million</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>Category 5</p>\r\n</td>\r\n<td>\r\n<p>Total principal debt equal or greater than R5 million, but less than R100 million</p>\r\n</td>\r\n<td>\r\n<p>R7 000 plus 0,01% of the amount by which the total principal debt exceeds R5 million</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>Category 6</p>\r\n</td>\r\n<td>\r\n<p>Total principal debt equal or greater than R1 million, but less than R5 million</p>\r\n</td>\r\n<td>\r\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>Category 7</p>\r\n</td>\r\n<td>\r\n<p>Total principal debt equal or greater than R500 000, but less than R1 million</p>\r\n</td>\r\n<td>\r\n<p>R2 000</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>Category 8</p>\r\n</td>\r\n<td>\r\n<p>Total principal debt equal or greater than R250 000, but less than R500 000</p>\r\n</td>\r\n<td>\r\n<p>R1 500</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>Category 9</p>\r\n</td>\r\n<td>\r\n<p>Total principal debt less than R250 000</p>\r\n</td>\r\n<td>\r\n<p>R1 000</p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p><strong>Providers of developmental credit (Section 41)</strong></p>\r\n<ol>\r\n<li>A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\r\n<ul>\r\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.</li>\r\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\r\n<ul>\r\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and</li>\r\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n</li>\r\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant’s ability to provide developmental credit (link to guidelines for developmental credit provider) <br /> (<a href=\"documents/pages/registration&amp;compliance/credit_providers/Preliminary Developmental credit guidelines (2) (3).doc\" target=\"_blank\" rel=\"noopener noreferrer\">Preliminary Developmental credit guidelines</a>)</li>\r\n</ol>\r\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za</em></strong></p>','',1,27,'2019-04-11 10:44:17',915,'','2021-04-29 14:01:18',915,0,'0000-00-00 00:00:00','2019-04-11 10:44:17','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',19,3,'','',1,17668,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(44,156,'Registration as a Credit Bureau','registration-as-a-credit-bureau','<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers. </p>\r\n<ul>\r\n<li>For further information, refer to the <a href=\"documents/pages/registration&amp;compliance/credit_bureau/7.%20Registration%20(section%2067%20-%2073).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">relevant sections of the Act</a></li>\r\n<li>For further information, refer to the <a href=\"documents/pages/registration&amp;compliance/credit_bureau/Reg.regs.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">relevant sections of the Regulations</a></li>\r\n</ul>\r\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:</strong><br /> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -</p>\r\n<ul>\r\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;</li>\r\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;</li>\r\n<li>Has adopted procedures to ensure that questions, concerns and complaints of  consumers or credit providers are treated equitably and consistently in a timely,  efficient and courteous manner, or presents to the NCR a credible plan to acquire or  develop those procedures and;</li>\r\n<li>Is registered with the South African Revenue Services.</li>\r\n</ul>\r\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is –</p>\r\n<ul>\r\n<li>a credit provider;</li>\r\n<li>a debt collection agency; or</li>\r\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).</li>\r\n</ul>\r\n<p>3. A natural person may not be registered as a credit bureau.</p>\r\n<p><strong>REGISTRATION PROCESS</strong></p>\r\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the </strong><strong>National Credit Amendment Act, 19 of 2014:</strong></p>\r\n<ol>\r\n<li>Completed and signed application form (Form 5).</li>\r\n<li>Brief description of the organization’s business model.</li>\r\n<li>Companies and Intellectual Property Commission  ( CIPC ) registration document or other legal registration document.</li>\r\n<li>Copy of the organization’s share certificate.</li>\r\n<li>Certified copies of ID/Passports of all members/directors or trustees .</li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau/Resolution- Credit Bureau.doc\" target=\"_blank\" rel=\"noopener noreferrer\">Resolution</a> of applicant (see attached specimen).</li>\r\n<li>A Criminal Clearance Certificate for all the members/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\"documents/pages/registration&amp;compliance/credit_bureau/FINGERPRINTS LIST APRIL 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\"> attached hereto</a> marked A. The clearance certificate must not be older than six (6) months.</li>\r\n<li>Proof of payment of the registration fees:\r\n<ul>\r\n<li>Non-refundable application fee of R550;</li>\r\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;</li>\r\n<li>Initial registration fee as indicated in the table below:\r\n<table border=\"1\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"199\">\r\n<p><strong>Category</strong></p>\r\n</td>\r\n<td valign=\"top\" width=\"709\">\r\n<p><strong>Fee</strong></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"199\">\r\n<p>Credit Bureaux</p>\r\n</td>\r\n<td valign=\"top\" width=\"709\">\r\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210 000.<br /> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant</em></strong></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</li>\r\n</ul>\r\n</li>\r\n<li>A letter from the bank confirming the applicant’s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.</li>\r\n<li>Proof of registration with the South African Revenue Services (SARS).</li>\r\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;</li>\r\n<li>Information of the CEO and 1st level of senior Management:\r\n<ul>\r\n<li>Name of employee;</li>\r\n<li>Position in organization;</li>\r\n<li>Qualifications;</li>\r\n<li>Experience (number of months, years in current role and similar role).</li>\r\n</ul>\r\n</li>\r\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).</li>\r\n<li>List of key contractors/outsourced service providers of the organization and the services that they provide;</li>\r\n<li>Copies of the service level agreements (SLA) with the key contractors/outsourced service providers;</li>\r\n<li>Copies of the HR policies and procedures:\r\n<ul>\r\n<li>code of conduct and disciplinary code;</li>\r\n<li>performance management.</li>\r\n</ul>\r\n</li>\r\n<li>Copy of the training budget.</li>\r\n<li>Copy of the latest external audit management letter (if applicable).</li>\r\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).</li>\r\n<li>Copy of the latest management accounts.</li>\r\n<li>Copy of the latest audited financial statements.</li>\r\n<li>Copy of any due Diligence/Limited assurance report by external parties that was issued in the past 12 months (if applicable).</li>\r\n<li>Copy of the procedures that deal with the following:\r\n<ul>\r\n<li>Acceptance of filing of consumer credit information;</li>\r\n<li>Accuracy of consumer credit information;</li>\r\n<li>Retention of consumer credit information;</li>\r\n<li>Maintenance of consumer credit information;</li>\r\n<li>Expunge of records that are not permitted.</li>\r\n<li>New customer on-boarding procedure</li>\r\n</ul>\r\n</li>\r\n<li>Copy of information security policy.</li>\r\n<li>Business continuity management plan.</li>\r\n<li>Copy of disaster recovery plan.</li>\r\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).</li>\r\n<li>Information on current litigation against the organization.\r\n<ul>\r\n<li>Type, number and value of cases;</li>\r\n</ul>\r\n</li>\r\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.</li>\r\n<li>Process map indicating the flow of information.</li>\r\n<li>A detail overview of the IT infrastructure, systems and IT resources.</li>\r\n<li><strong>PRO / Customer Liaison. </strong>A detailed overview of the company’s client base. The company’s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).</li>\r\n<li><strong>Data. </strong>An overview of the company’s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).</li>\r\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.</li>\r\n</ol>\r\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\"documents/pages/registration&amp;compliance/credit_bureau/Draft Agreed on Procedures - CB 2019.doc\" target=\"_blank\" rel=\"noopener noreferrer\">See attached terms of reference for performing the due diligence review</a>).</strong></p>\r\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za</em></strong></p>','',1,28,'2019-04-11 12:47:15',915,'','2021-04-29 13:59:10',915,0,'0000-00-00 00:00:00','2019-04-11 12:47:15','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',34,3,'','',1,4810,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(45,158,'Registration as a Reseller Credit Bureau','registration-as-a-reseller-credit-bureau','<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.</p>\r\n<ul>\r\n<li>For further information, refer to the <a href=\"documents/pages/registration&amp;compliance/credit_bureau/7.%20Registration%20(section%2067%20-%2073).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">relevant sections of the Act</a></li>\r\n<li>For further information, refer to the <a href=\"documents/pages/registration&amp;compliance/credit_bureau/Reg.regs.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">relevant sections of the Regulations</a></li>\r\n</ul>\r\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:</strong></p>\r\n<ol>\r\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\r\n<ul>\r\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;</li>\r\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;</li>\r\n<li>Has adopted procedures to ensure that questions, concerns and complaints of  consumers or credit providers are treated equitably and consistently in a timely,  efficient and courteous manner, or presents to the NCR a credible plan to acquire or  develop those procedures and,</li>\r\n<li>Is registered with the South African Revenue Services.</li>\r\n</ul>\r\n</li>\r\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is –\r\n<ul>\r\n<li>a credit provider;</li>\r\n<li>a debt collection agency; or</li>\r\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)</li>\r\n</ul>\r\n</li>\r\n<li>A natural person may not be registered as a credit bureau.</li>\r\n</ol>\r\n<p><strong>REGISTRATION PROCESS</strong></p>\r\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:</strong></p>\r\n<ol>\r\n<li>Completed and signed application form (Form 5).</li>\r\n<li>Business plan including details of the organization’s business model, and projected income for the first year of operation as a reseller credit bureau.</li>\r\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.</li>\r\n<li>Copy of the organization’s share certificate.</li>\r\n<li>Certified copies of ID/Passports of all members/directors or trustees/shareholders.</li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/Resolution- Reseller CB.doc\" target=\"_blank\" rel=\"noopener noreferrer\">Resolution</a> of applicant.</li>\r\n<li>A Criminal Clearance Certificate for all the members/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/FINGERPRINTS LIST APRIL 2021.xlsx\">attached hereto</a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).</li>\r\n<li>Proof of payment of the registration fees:\r\n<ul>\r\n<li>Non-refundable application fee of R550;</li>\r\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;</li>\r\n<li>Initial registration fee as indicated in the table below.<br /><br />\r\n<table class=\"table table-bordered table-striped\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"199\">\r\n<p><strong>Category</strong></p>\r\n</td>\r\n<td valign=\"top\" width=\"709\">\r\n<p><strong>Fee</strong></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"199\">\r\n<p>Reseller Credit Bureaux</p>\r\n</td>\r\n<td valign=\"top\" width=\"709\">\r\n<p>R11,000</p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</li>\r\n</ul>\r\n</li>\r\n<li>A letter from the bank confirming the applicant’s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.</li>\r\n<li>Proof of registration with the South African Revenue Services (SARS).</li>\r\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;</li>\r\n<li>Information of the CEO and 1st level of senior Management:\r\n<ul>\r\n<li>Name of employee;</li>\r\n<li>Position in organization;</li>\r\n<li>Qualifications;</li>\r\n<li>Experience (number of months, years in current role and similar role).</li>\r\n</ul>\r\n</li>\r\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).</li>\r\n<li>List of key contractors/outsourced service providers of the organization and the services that they provide;</li>\r\n<li>Copies of the service level agreement (SLA) with the key contractors/outsourced service providers.</li>\r\n<li>Copies of the HR policies and procedures\r\n<ul>\r\n<li>code of conduct and disciplinary code;</li>\r\n<li>performance management.</li>\r\n</ul>\r\n</li>\r\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts</li>\r\n<li>Information on current litigation against the organization, if any.</li>\r\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.</li>\r\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).</li>\r\n<li>IT and Data Requirements:\r\n<ul>\r\n<li>Business continuity management plan;</li>\r\n<li>Disaster recovery plan;</li>\r\n<li>Information security policy;</li>\r\n<li>Process map indicating the flow of information;</li>\r\n<li>Detailed overview of the IT infrastructure, systems and IT resources;</li>\r\n<li>An overview of the company’s strategy and processes around data, including data sources, loading and storage of data, processes with data suppliers and data sources.</li>\r\n</ul>\r\n</li>\r\n<li>A detailed overview of the company’s client base.</li>\r\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/Reseller Undertaking - Annexure B.DOCX\">see Annexure B</a></li>\r\n<li>IT Auditors’ Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\">See attached terms of reference for performing the due diligence review)</a></li>\r\n</ol>','',1,29,'2019-04-11 13:19:26',915,'','2021-04-29 14:06:59',915,0,'0000-00-00 00:00:00','2019-04-11 13:19:26','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',27,2,'','',1,3970,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(46,160,'Credit Bureau Monitor (CBM)','credit-bureau-monitor-cbm','<p> </p>\r\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016</b></p>\r\n<p><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\" href=\"documents/CBM/CBM_March_2016.pdf\" target=\"_blank\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"131\" /></b></a></p>\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM_March_2016.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\" CBM data Q22007 - Q12016\" href=\"documents/CBM/CBM_data_Q22007_Q12016.xlsx\" target=\"_blank\">CBM data Q22007 - Q12016</a></li>\r\n</ol>\r\n<p> </p>\r\n<p><b>Credit Bureau Monitor - Fourth Quarter | December 2015</b></p>\r\n<p><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\" href=\"documents/CBM/CBM December 2015.pdf\" target=\"_blank\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"131\" height=\"166\" /></b></a><b><br /></b></p>\r\n<p> </p>\r\n<ol>\r\n<ol>\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM December 2015.pdf\" target=\"_blank\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q22007 - Q42015\" href=\"documents/CBM/CBM data Q22007 - Q42015.xlsx\" target=\"_blank\">CBM data Q22007 - Q42015</a></li>\r\n</ol>\r\n</ol>\r\n</ol>\r\n<hr />\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\">Credit Bureau Monitor - Third Quarter | September 2015</b></p>\r\n<p style=\"line-height: 15.8079996109009px;\"><a href=\"documents/pages/publications/CBM/CBM September 2015.pdf\" target=\"_blank\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"131\" height=\"166\" /></b></a></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<ol>\r\n<ol>\r\n<ol style=\"font-size: 12.16px; line-height: 15.808px;\">\r\n<li><a href=\"documents/pages/publications/CBM/CBM September 2015.pdf\" target=\"_blank\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/CBM/CBM data Q22007 - Q32015.xlsx\" target=\"_blank\">CBM data Q22007 - Q32015</a></li>\r\n</ol>\r\n</ol>\r\n</ol>\r\n<hr />\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\">Credit Bureau Monitor - Second Quarter | June 2015</b></b></p>\r\n<p style=\"line-height: 15.8079996109009px;\"><a href=\"documents/pages/publications/CBM/CBM%20June 2015.pdf\" target=\"_blank\"><b style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"131\" height=\"166\" /></b></b></a></p>\r\n<ol>\r\n<ol>\r\n<ol>\r\n<li><a href=\"documents/pages/publications/CBM/CBM June 2015.pdf\" target=\"_blank\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/CBM/CBM data Q22007 - Q22015.xlsx\" target=\"_blank\">CBM data Q22007 - Q22015</a></li>\r\n</ol>\r\n</ol>\r\n</ol>\r\n<hr />\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\">Credit Bureau Monitor - First Quarter | March 2015</b></p>\r\n<p> <b style=\"line-height: 15.8079996109009px;\"><a href=\"documents/pages/publications/mar15/CBM%20March 2015.pdf\" target=\"_blank\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" /></a></b></p>\r\n<ol>\r\n<ol>\r\n<ol>\r\n<li><a href=\"documents/pages/publications/mar15/CBM March 2015.pdf\" target=\"_blank\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/mar15/CBM data Q22007 - Q12015.xlsx\" target=\"_blank\">CBM data Q22007 - Q12015</a></li>\r\n</ol>\r\n</ol>\r\n</ol>-->\r\n<table class=\"table table-bordered table-striped\" border=\"0\" width=\"600\">\r\n<tbody>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q2 2023.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2023</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q2 2023.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2019 to June 2023, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q3 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q2 2023.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q2 2023</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q1 2023.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2023</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q1 2023.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2019 to March 2023, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q3 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q1 2023.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q1 2023</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q4 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2022</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q4 2022.pdf\">The information re ected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2018 to December 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q3 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q4 2022.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q4 2022</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q3 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2022</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q3 2022.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2018 to September 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q3 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q3 2022.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q3 2022</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q2 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2022</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q2 2022.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q1 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q2 2022.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q2 2022</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q1 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2022</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q1 2022.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q1 2022\" href=\"documents/CBM/CBM data Q3 2007 - Q1 2022.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q1 2022.xlsx</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q4 2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q4 2021.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q4 2021\" href=\"documents/CBM/CBM data Q3 2007 - Q4 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q4 2021</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q3 2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2021</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q3 2021.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q3 2021\" href=\"documents/CBM/CBM data Q3 2007 - Q3 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q3 2021</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q2 2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2021</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q2 2021.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q2 2021\" href=\"documents/CBM/CBM data Q3 2007 - Q2 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q2 2021</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q1 2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2021</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q1 2021.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q1 2021\" href=\"documents/CBM/CBM data Q3 2007 - Q1 2021.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q1 2021</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q4 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q4 2020.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q3 2007 - Q4 2020\" href=\"documents/CBM/CBM data Q3 2007 - Q4 2020.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q3 2007 - Q4 2020</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q3 2020_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2020</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q3 2020_.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q3 2020\" href=\"documents/CBM/CBM data Q2 2007 - Q3 2020_.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q3 2020</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q2 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2020</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q2 2020.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q4 2020\" href=\"documents/CBM/CBM data Q2 2007 - Q2 2020.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q2 2020</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q4 2019.pdf.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q4 2019.pdf.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q4 2019\" href=\"documents/CBM/CBM data Q2 2007 - Q4 2019.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q4 2019</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q3 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2019</b> <br /> <br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q3 2019.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q3 2019\" href=\"documents/CBM/CBM data Q2 2007 - Q3 2019.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q3 2019</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Q2 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2019</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Q2 2019.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q2 2019\" href=\"documents/CBM/CBM data Q2 2007 - Q2 2019.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q2 2019</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM March 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2019 </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM March 2019.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q4 2018\" href=\"documents/CBM/CBM data Q2 2007 - Q1 2019.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q1 2019</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Dec 2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Dec 2018.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q4 2018\" href=\"documents/CBM/CBM data Q2 2007 - Q4 2018.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q3 2018</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM sep 2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM sep 2018.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q1 2018\" href=\"documents/CBM/CBM data Q2 2007 - Q3 2018.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q3 2018</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM June 2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM June 2018.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q1 2018\" href=\"documents/CBM/CBM data Q2 2007 - Q1 2018.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q1 2018.xlsx</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM March 2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM March 2018.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q1 2018\" href=\"documents/CBM/CBM data Q2 2007 - Q1 2018.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q1 2018</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM Dec 17 final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM Dec 17 final.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q2 2017\" href=\"documents/CBM/CBM data Q2 2007 - Q4 2017.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q4 2017</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM June 17.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2017</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM September 17.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q2 2017\" href=\"documents/CBM/CBM data Q2 2007 - Q3 2017.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q3 2017</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM June 17.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2017</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM June 17.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q2 2007 - Q2 2017\" href=\"documents/CBM/CBM data Q2 2007 - Q2 2017.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q2 2007 - Q2 2017</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM March 2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2017</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM March 2017.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q22007 - Q12017\" href=\"documents/CBM/CBM data Q22007 - Q12017.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q12017</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM December 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM December 2016.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q22007 - Q32016\" href=\"documents/CBM/CBM Data December 2017.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM Data December 2017</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM September 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Third Quarter | September 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM September 2016.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q22007 - Q32016\" href=\"documents/CBM/CBM data Q22007 - Q32016.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q32016</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM June 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - Second Quarter | June 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM June 2016.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\" CBM data Q22007 - Q12016\" href=\"documents/CBM/CBM data Q22007 - Q22016.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q22016</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\" href=\"documents/CBM/CBM_March_2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM_March_2016-1.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td width=\"410\"><b>Credit Bureau Monitor - First Quarter | March 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM_March_2016.pdf\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\" CBM data Q22007 - Q12016\" href=\"documents/CBM/CBM_data_Q22007_Q12016.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q12016</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a style=\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\" href=\"documents/CBM/CBM December 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></b></a></td>\r\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CBM/CBM December 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a title=\"CBM data Q22007 - Q42015\" href=\"documents/CBM/CBM data Q22007 - Q42015.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q42015</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/CBM/CBM%20June 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></b></b></a></td>\r\n<td><b>Credit Bureau Monitor - Third Quarter | September 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/CBM/CBM September 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/CBM/CBM data Q22007 - Q32015.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q32015</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/CBM/CBM%20June 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><b style=\"line-height: 15.8079996109009px;\"><b style=\"line-height: 15.8079996109009px;\"><img src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></b></b></a></td>\r\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/CBM/CBM June 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/CBM/CBM data Q22007 - Q22015.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q22015</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/mar15/CBM%20March 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - First Quarter | March 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/mar15/CBM March 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/mar15/CBM data Q22007 - Q12015.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q12015</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/dec14/CBM December 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/dec14/CBM December 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/dec14/CBM data Q22007 - Q42014.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data Q22007 - Q42014</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/sep14/CBM September 2014 .pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Third Quarter | September 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/sep14/CBM September 2014 .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/sep14/CBM data Q22007 - Q32014.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2014</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/june14/Credit Bureau Monitor June 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Second Quarter | June 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/june14/Credit Bureau Monitor June 2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.</a></li>\r\n<li><a href=\"documents/pages/publications/june14/CBM data Q22007 - Q22014.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2014</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/march14/CBM March 2014..pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - First Quarter | March 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/march14/CBM March 2014..pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005</a></li>\r\n<li><a href=\"documents/pages/publications/march14/CBM data Q22007 - Q12014.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2014</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/dec13/CBM December 2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/dec13/CBM December 2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...</a></li>\r\n<li><a href=\"documents/pages/publications/dec13/CBM data Q22007-Q42013.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2013</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/sep13/CBM September 2013- 1st draft.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/sep13/CBM September 2013- 1st draft.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...</a></li>\r\n<li><a href=\"documents/pages/publications/sep13/CBM data Q22007 - Q32013.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2013</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/march14/CBM March 2014..pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/jun13/CBM June 2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...</a></li>\r\n<li><a href=\"documents/pages/publications/jun13/CBM data Q22007 - Q22013.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2013</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/mar13/CBM March 2013 Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - First Quarter | March 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/mar13/CBM March 2013 Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...</a></li>\r\n<li><a href=\"documents/pages/publications/mar13/CBM data 2007 - Q12013.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2013</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/dec12/CBM Dec 2012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/dec12/CBM Dec 2012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...</a></li>\r\n<li><a href=\"documents/pages/publications/dec12/CBM data 2007 -2012new.xls\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2012</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/sep12/CBM September 2012- Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/sep12/CBM September 2012- Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...</a></li>\r\n<li><a href=\"documents/pages/publications/sep12/CBM data 2007 -2012.xls\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2012</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/jun12/CBM.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Second Quarter | June 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/jun12/CBM.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...</a></li>\r\n<li><a href=\"documents/pages/publications/jun12/CBM2 data 2007 -2012.xls\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2012</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/mar12/Credit Bureu Monitor - March 2012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - First Quarter |March 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/mar12/Credit Bureu Monitor - March 2012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/publications/mar12/CBM data 2007 -2012.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CBM data 2007 - 2012 </a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/sep11/CBM PRINT.PDF\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2011</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/sep11/CBM PRINT.PDF\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/publications/sep11/Appendix Final Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Appendix</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/jun11/1CBM Final_Second Quarter June 2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Second Quarter | June 2011</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/jun11/1CBM Final_Second Quarter June 2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/publications/jun11/1Appendix Final_Second Quarter June 2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Appendix</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/publications/mar11/cbmmarch2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - First Quarter | March 2011</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/publications/mar11/cbmmarch2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/publications/mar11/cbmmarch2011_appendix.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Appendix</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR_CBM_2010Dec.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR_CBM_2010Dec.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/research_stats/NCR_App_2010Dec.pdf\">View the Appendix</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CBM_September_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2010</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CBM_September_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CBM_September_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2010</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CBM_September_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CBM_June_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Second Quarter | June 2010</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CBM_June_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n<li><a href=\"documents/pages/research_stats/Appendix.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Appendix</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CBM - March 2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - First Quarter | March 2010</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CBM - March 2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CB Monitor - December 2009 Q.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CB Monitor - December 2009 Q.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/CB Monitor- September.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2009</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/CB Monitor- September.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR CBM 2009_June.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Second Quarter | June 2009</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR CBM 2009_June.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR_CBM_2009_Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - First Quarter | March 2009</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR_CBM_2009_Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR CBM 2008 Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR CBM 2008 Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR CBM 2008 Q3 low.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Third Quarter | September 2008 </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR CBM 2008 Q3 low.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR CB Monitor-Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR CB Monitor-Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR CB Monitor-Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR CB Monitor-Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR News SUm-Q1 AK-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR News SUm-Q1 AK-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\"><a href=\"documents/pages/research_stats/NCR_Newsletter.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"font-weight: normal; line-height: 15.8079996109009px;\" src=\"images/consumer_market_report/CBM.jpg\" alt=\"\" width=\"150\" /></a></td>\r\n<td valign=\"top\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) </b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/pages/research_stats/NCR_Newsletter.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View the Credit Bureau Monitor</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<!--<div class=\"row-fluid\"><hr />\r\n<h2><strong>Credit Bureau Monitor Archives</strong></h2>\r\n<h4 style=\"line-height: 15.8079996109009px;\"><a href=\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2014 Archive</a></h4>\r\n</div>\r\n<div class=\"row-fluid\">\r\n<!--<h4><a href=\"index.php/credit-bureau-monitor-2013-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2013 Archive</a></h4>\r\n<h4><a href=\"index.php/credit-bureau-monitor-2012-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2012 Archive</a></h4>\r\n<h4><a href=\"index.php/credit-bureau-monitor-2011-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2011 Archive</a></h4>_\r\n<h4 style=\"line-height: 15.8079996109009px;\"><a href=\"index.php/credit-bureau-monitor-2010-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /></a> <a href=\"index.php/credit-bureau-monitor-2010-archive\">2010 Archive</a></h4>\r\n<h4 style=\"line-height: 15.8079996109009px;\"><a href=\"index.php/credit-bureau-monitor-2009-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2009 Archive</a></h4>\r\n<h4 style=\"line-height: 15.8079996109009px;\"><a href=\"index.php/credit-bureau-monitor-2008-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /> 2008 Archive</a></h4>\r\n<h4 style=\"line-height: 15.8079996109009px;\"><a href=\"index.php/credit-bureau-monitor-2007-archive\"><img src=\"images/icon.png\" alt=\"\" width=\"33\" height=\"33\" /></a> <a href=\"index.php/credit-bureau-monitor-2007-archive\">2007 Archive</a></h4>\r\n</div>-->','',1,20,'2019-04-11 15:08:32',915,'','2023-10-05 15:21:29',915,0,'0000-00-00 00:00:00','2019-04-11 15:08:32','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',82,4,'','',1,265014,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(47,161,'Careers','careers','<p> </p>\r\n<table class=\"table table-bordered table-striped\" style=\"text-align: center;\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"4\" align=\"center\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address</td>\r\n</tr>\r\n<tr>\r\n<th>Position</th>\r\n<th>Closing Date</th>\r\n<th>Download</th>\r\n<th>Email</th>\r\n</tr>\r\n<tr>\r\n<td>Legal Advisor: Debt Counselling </td>\r\n<td>11 December 2023 </td>\r\n<td><a href=\"documents/careers/Legal Advisor Debt Counselling_2023.pdf\">download</a> </td>\r\n<td><a href=\"mailto:IF-Recruitment@ncr.org.za\">IF-Recruitment@ncr.org.za</a> </td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,16,'2019-04-11 15:16:17',915,'','2023-12-04 08:29:03',915,915,'2023-12-04 08:29:03','2019-04-11 15:16:17','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',393,0,'','',1,204855,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(48,162,'Consumer Credit Market Report (CCMR)','consumer-credit-market-report-ccmr','<table class=\"table table-bordered table-striped\" border=\"0\" width=\"100%\">\r\n<tbody>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2023</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2023Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2022Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2023Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2023Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2023</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2023Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2022Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2023Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2023Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2022</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2022Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2022Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2022Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2022Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2022</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2022Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2022Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2022Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2022Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2022</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2022Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2022Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2022Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2022</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2022Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2021Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2021Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2021</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2021Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2021Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2021Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2021</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2021Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2021Q2\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2021</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2021Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2021Q1\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2021Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2020Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2020Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2020Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2020</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2020Q3_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2020Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2020Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2020</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2020Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2019Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2020Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2019Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2019Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2019Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2019</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2019Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2019Q3\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2019Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2019</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2019Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2019Q2\" href=\"documents/CCMR/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2019Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2019</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2019Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2019Q1\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2019Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2018Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..</a></li>\r\n<li><a title=\"CCMR Web-Dataset 2007Q4 to 2018Q4\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">CCMR Web-Dataset 2007Q4 to 2018Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2018Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2018Q2\" href=\"documents/CCMR/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007Q4 to 2018Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2018Q2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2018Q2\" href=\"documents/CCMR/Web-Dataset 2007Q4 to 2018Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007Q4 to 2018Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2018</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2018Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2018Q1\" href=\"documents/CCMR/Web-Dataset 2007Q4 to 2018Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007Q4 to 2018Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR 2017Q4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007Q4 to 2017Q4\" href=\"documents/CCMR/Web-Dataset 2007Q4 to 2017Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007Q4 to 2017Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR December 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007-Q4 to 2016-Q4\" href=\"documents/CCMR/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q4 to 2016-Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR September 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007 - Q4 to 2016-Q3\" href=\"documents/CCMR/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q4 to 2016-Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR June 2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.</a></li>\r\n<li><a title=\"Web-Dataset 2007 - Q4 to 2016-Q2\" href=\"documents/CCMR/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q4 to 2016-Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2016</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR Q1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a title=\"Web-Dataset 2007 - Q4 to 2016-Q1\" href=\"documents/CCMR/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2016-Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"documents/CCMR/CCMR Q4 December 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a title=\"Web-Dataset 2007 - Q4 to 2015-Q4\" href=\"documents/CCMR/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2015-Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/CCMR Q3 2015 - V2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q2 to 2015-Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/2015/CCMR Q2 2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/2015/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2015-Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2015</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/2015/CCMR_Q32015 - Design-YP4_1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/2015/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2015-Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/CCMR_Q42014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2014-Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/CCMR Q3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2014 - Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2014</b> <br /><br />\r\n<ol>\r\n<li> <a href=\"publications/Consumer Credit Market Report/CCMR_Q22014 - Design-YP4_1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.</a></li>\r\n<li style=\"margin-bottom: 5px;\"><a href=\"publications/Consumer%20Credit Market Report/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q4 to 2014-Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - First Quarter | March 2014</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/march2014/CCMR Q12014 draft1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/march2014/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\">Web-Dataset 2007 - Q4 to 2014 - Q1</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Market Report/dec2013/CCMR Q32013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006</a></li>\r\n<li><a href=\"publications/Consumer Credit Market Report/dec2013/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007 - Q4 to 2013 - Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer Credit Report/ccmr_3rdQ2013/CCMR Q32013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006</a>.</li>\r\n<li><a href=\"publications/Consumer%20Credit%20Report/ccmr_3rdQ2013/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q2 to 2013-Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Second Quarter | June 2013</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer%20Credit%20Report/ccrm_2ndQ/CCMR%20Q2-Changes,%20F.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a href=\"publications/Consumer%20Credit%20Report/ccrm_2ndQ/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q2 to 2013-Q2</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Credit_Monitor/oct_13/CCMR%20Q2-Changes,%20F.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006. </a></li>\r\n<li><a href=\"publications/Credit_Monitor/oct_13/CBM%20data%20Q22007%20-%20Q22013.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset CBM data 2007-Q4 to 2012-Q4</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"> </td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" width=\"180\">\r\n<p align=\"center\"><img src=\"images/consumer_market_report/ccmr.jpg\" alt=\"\" width=\"131\" height=\"166\" /></p>\r\n</td>\r\n<td width=\"410\"><b>Consumer Credit Market Report - Third Quarter | September 2012</b> <br /><br />\r\n<ol>\r\n<li><a href=\"publications/Consumer%20Credit%20Market%20Report/CCMR%20Q32012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">This report and its appendix represent the analysis of quarterly data of the South African  consumer credit market in terms of the National Credit Act which came into effect in June 2006.</a></li>\r\n<li><a href=\"publications/Consumer%20Credit%20Market%20Report/Web-Dataset%202007-Q4%20to%202012-Q3.xls\" target=\"_blank\" rel=\"noopener noreferrer\">Web-Dataset 2007-Q4 to 2012-Q3</a></li>\r\n</ol>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,20,'2019-04-11 15:57:08',915,'','2023-10-24 07:59:17',915,0,'0000-00-00 00:00:00','2019-04-11 15:57:08','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',65,3,'','',1,344556,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(49,163,'Application forms','application-forms','<ul class=\"arrow-list\">\r\n<li><a href=\"../documents/pages/registration&amp;compliance/credit_providers/Form 2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Application for registration as a credit provider</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_providers/Additional Branch Form.doc\" target=\"_blank\" rel=\"noopener noreferrer\"> Application for an additional branch </a></li>\r\n<li><a href=\"../documents/pages/credit provider/form 3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Application for supplementary registrations</a></li>\r\n<li><a href=\"../documents/pages/credit provider/Annexure Confirmation of payment of fees - CP 2017.docx\" target=\"_blank\" rel=\"noopener noreferrer\">Annexure A: Confirmation of payment of fees</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_providers/Registrant Info Update Form CP.doc\"> Information update form </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_providers/Form 10 editable.pdf\">Notice to cancel registration</a></li>\r\n</ul>','',1,27,'2019-04-17 12:38:21',915,'','2020-10-02 11:17:22',915,0,'0000-00-00 00:00:00','2019-04-17 12:38:21','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',16,2,'','',1,13128,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(50,164,'Application forms','application-forms','<ul>\r\n<li><a href=\"documents/pages/registration&amp;compliance/debt_counsellors/form 4.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Application for Registration as a Debt Counselor</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/debt_counsellors/Additional Branch Form.doc\" target=\"_blank\" rel=\"noopener noreferrer\"> Application for an additional branch </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/debt_counsellors/Annexure_Confirmation_of_payment_of_fees_DC.docx\" target=\"_blank\" rel=\"noopener noreferrer\">Annexure A: Confirmation of payment of Fees</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/debt_counsellors/REGISTRANT INFORMATION UPDATE FORM DC (2).docx\">Information update form </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/debt_counsellors/Form 10 editable.pdf\">Notice to cancel registration</a></li>\r\n</ul>','',1,26,'2019-04-17 12:44:45',915,'','2021-04-16 14:20:06',915,0,'0000-00-00 00:00:00','2019-04-17 12:44:45','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',16,2,'','',1,5169,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(51,165,'Application forms','application-forms','<ul>\r\n<li><a href=\"documents/pages/registration&amp;compliance/adr/Form 47.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Application for registration as an Alternative Dispute Resolution Agent</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/adr/Additional Branch Form.doc\" target=\"_blank\" rel=\"noopener noreferrer\">Application for an additional branch</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/adr/Annexure Confirmation of payment of fees - ADRA.docx\">Annexure confirmation of payment of fees </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/adr/Registrant Info Update Form ADR.doc\">Information update form </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/adr/Form 10 editable.pdf\">Notice to cancel registration</a></li>\r\n</ul>','',1,24,'2019-04-17 13:12:24',915,'','2021-02-26 10:38:25',915,0,'0000-00-00 00:00:00','2019-04-17 13:12:24','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',17,2,'','',1,6649,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(52,166,'Application forms','application-forms','<ul>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/form 5.pdf\">Application for Registration as a Credit Bureau reseller</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/Additional Branch Form.doc\"> Application for adding a branch </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/Annexure_Confirmation_of_payment_of_fees_CB.pdf\"> Annexure confirmation of payment of fees </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau_reseller/Registrant Info Update Form CB.doc\">Registrant information update form </a></li>\r\n</ul>','',1,29,'2019-04-17 13:17:27',915,'','2020-10-01 15:37:52',915,0,'0000-00-00 00:00:00','2019-04-17 13:17:27','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',13,1,'','',1,3908,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(53,167,'Application forms','application-forms','<ul>\r\n<li><a title=\"NCR resolution document \" href=\"documents/pages/registration&amp;compliance/pda/Annexure Confirmation of payment of fees - PDA.DOCX\" target=\"_blank\" rel=\"noopener noreferrer\"> Annexure confirmation of payment of fees  </a></li>\r\n<li><a title=\"NCR resolution document \" href=\"documents/pages/registration&amp;compliance/pda/Additional Branch Form.doc\" target=\"_blank\" rel=\"noopener noreferrer\">Application for an additional branch  </a></li>\r\n<li><a title=\"NCR resolution document \" href=\"documents/pages/registration&amp;compliance/pda/Registrant Info Update Form PDA.doc\" target=\"_blank\" rel=\"noopener noreferrer\"> Information update form  </a></li>\r\n<li><a title=\"NCR resolution document \" href=\"../documents/pages/PDA/Application_form/143 AD NCR RESOLUTION DOCUMENT.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">NCR resolution document </a></li>\r\n<li><a title=\"PDA Application Form 46\" href=\"../documents/pages/PDA/Application_form/NCR_PDA Application Form 46.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">PDA Application Form 46</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/adr/Form 10 editable.pdf\">Notice to cancel registration</a></li>\r\n</ul>','',1,25,'2019-04-17 13:28:48',915,'','2020-10-02 11:38:19',915,0,'0000-00-00 00:00:00','2019-04-17 13:28:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',13,2,'','',1,4085,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(54,168,'Application forms','application-forms','<ul>\r\n<li><a href=\"../documents/pages/registration&amp;compliance/credit_bureau/form 5.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Application for Registration as a Credit Bureau</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau/Additional Branch Form.doc\" target=\"_blank\" rel=\"noopener noreferrer\"> Application for an additional branch</a></li>\r\n<li><a href=\"../documents/pages/registration&amp;compliance/credit_bureau/Annexure_Confirmation_of_payment_of_fees_CB.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Annexure A: Confirmation of payment of Fees</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau/Registrant Info Update Form CB.doc\"> Information update form </a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/adr/Form 10 editable.pdf\">Notice to cancel registration</a></li>\r\n</ul>','',1,28,'2019-04-17 13:35:37',915,'','2020-10-02 11:29:32',915,0,'0000-00-00 00:00:00','2019-04-17 13:35:37','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',12,2,'','',1,4397,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(55,173,'Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful','tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful','<p>The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the “on the road” fee, admin fee and handling fee on credit agreements.</p>\r\n<p>In its judgment, the Tribunal found that the “on the road” fee, admin fee and handling fee charged by Volkswagen Financial Services to consumers on credit agreements are not permitted by the National Credit Act (the Act).</p>\r\n<p>The Tribunal ordered Volkswagen Financial Services to –</p>\r\n<ol>\r\n<li>cease the practice and/or conduct of charging consumers the “on the road”, admin and handling fees on credit agreements from 10 April 2019 and to submit written confirmation to the NCR to this effect;</li>\r\n<li>calculate the total amount of charges, fees or interest levied on the “on the road”, admin and handling fees; and</li>\r\n<li>refund all those consumers charges, fees or interest levied and submit a report by independent auditors to the NCR.</li>\r\n</ol>\r\n<p> </p>\r\n<p>“The NCR welcomes this judgment as it affirms the protection given to consumers by the National Credit Act against illegal charges and fees on credit agreements”, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p>The NCR will continue to conduct industry-wide investigations on fees and charges on credit agreements to root out illegal charges and fees on credit agreements.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak88766\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span></p>\r\n<p align=\"center\">Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> 064 752 3920<br /> E-mail: <span id=\"cloak16219\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-07-01 10:33:54',915,'','2019-07-03 21:22:11',915,0,'0000-00-00 00:00:00','2019-07-01 10:33:54','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,50,'','',1,4136,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(56,174,'Do not overdo it this festive season – Spend Wisely!','do-not-overdo-it-this-festive-season-spend-wisely','<p align=\"right\"><strong>December 2018</strong></p>\r\n<p>This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR. The gross debtors book represents what consumers owe in terms of mortgages, vehicle finance, unsecured credit, store cards, credit cards, overdrafts, short term credit etc.</p>\r\n<p>“We are advising consumers to be cautious of their spending during this festive season and only spend what they can afford.” Consumers should not overdo it, says Golele. During the silly season you would find people spending unnecessarily on things that they do not need and sometimes wasting as they have additional income in a form of bonuses, stokvel payouts etc. “Additional income such as this can be used to settle debt and also be saved in platforms that will grow the money unlike spending it on things you do not need and those that will finish your money”, advises Golele.</p>\r\n<p>When spending during the festive season, consumers should think about the new year which will be upon us sooner that we can realise. The new year comes with its own expenses such as school uniform, school registration fees, transport costs, food costs and many other costs. “If you failed to plan and spend wisely during the festive season, you will find yourself cash strapped in the new year and it will be difficult to get out”, says Golele.</p>\r\n<p>He says consumers should only use registered credit providers when seeking credit because using unregistered lenders can end up being their worst nightmare in the near future. “Unregistered lenders will take your identity documents, bank cards / PINs and SASSA cards and withdraw your money immediately after you get paid. They will literally pay themselves first and leave you with change to get by for an entire month”, he adds.  Golele says this will lead to a debt-trap and make such consumers dependent on these lenders for a very long time.</p>\r\n<p>Unregistered lenders often charge consumers unlawful interest rates that are more than what the law specifies. The danger of being charged unreasonable interest rates is that consumers will battle to finish repaying the loan, meaning they will be stuck with that lender. “This means that you will be enslaved to the micro-lender”, cautions Golele. “According to the National Credit Act, each and every one who gives out credit and charges interest must register with the National Credit Regulator”, says Golele.</p>\r\n<p>During the silly season, consumers should be wary of deals such as “buy now, pay after three months” and then incur additional credit during those three months, cautioned Golele. “Do not be afraid to request for a pre-agreement statement and quotation when applying for any type of credit, remember, it is your right according to the National Credit Act.” A quotation will inform consumers on how much the new credit will cost them prior to putting their signatures on the contract/credit agreement. It will also enable consumers to shop around and do a comparison.</p>\r\n<p>“Use your bonus to reduce your debt burden by paying off existing debt. Remember as soon as you settle outstanding credit that you are blacklisted for, the listing will be removed from your credit report thus giving you a better chance of getting new credit for asset building purposes such as getting finance for a mortgage bond, says Golele.</p>\r\n<p>To consumers who have lost their jobs, please inform your credit providers about your situation. If you were paying for credit life insurance, contact your credit providers for assistance as the aim of credit life insurance is to pay the consumer’s debt either in full or a portion in case the consumer dies, gets retrenched or disabled whilst still owing that particular credit, says Golele.</p>\r\n<p>Below are tips to assist consumers to spend wisely during the festive season:</p>\r\n<ul>\r\n<li>Draw a budget for the month and include all debt, rent, electricity, water, insurance, transport, gifts, entertainment, etc;</li>\r\n<li>When going shopping, have a shopping list to avoid buying unnecessary items;</li>\r\n<li>If you didn’t budget for a holiday earlier in the year, it might be too late and risky in terms of finances to go on holiday this year;</li>\r\n<li>Prioritise your home loan and rent;</li>\r\n<li>Before you cancel any insurance, speak to a financial advisor;</li>\r\n<li>If you borrow money, make sure you borrow only for what is strictly necessary, and ensure that you can afford the repayments;</li>\r\n<li>Start saving for next year’s projects that you would like to undertake such as holidays, renovations, studying, big sales, etc;</li>\r\n<li>If you are battling with your debts, contact a registered debt counsellor for assistance; and</li>\r\n<li>As much as possible, during the festive season keep to your normal spending patterns. Don’t make drastic changes that may leave you over-indebted in the new year.</li>\r\n</ul>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <span id=\"cloak95593\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak96440\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-04-24 10:41:25',915,'','2019-04-24 10:41:25',0,0,'0000-00-00 00:00:00','2019-04-24 10:41:25','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,49,'','',1,2326,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(57,175,'The Supreme Court of Appeal dismisses the MFSA’s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations','the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations','<p><strong>November 2018</strong></p>\r\n<p>The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa’s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.</p>\r\n<p>The regulations reduced the interest rate on the second short-term loan in a calendar year from 5% to 3% per month.</p>\r\n<p>“The NCR welcomes the decision of the Supreme Court of Appeal and calls on all credit providers to support initiatives by government and the NCR to address consumer over-indebtedness”, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p>The regulations remain in force and mean that consumers pay 5% interest on the first short-term loan and 3% interest on subsequent short-term loans in a calendar year.</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of credit providers, credit bureaus, debt counsellors, payment distribution agents, and alternative dispute resolution agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak9942\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak40534\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-04-24 10:45:30',915,'','2019-04-24 10:45:30',0,0,'0000-00-00 00:00:00','2019-04-24 10:45:30','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,47,'','',1,2512,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(58,176,'Don’t let Black Friday be the reason for your financial woes!','don-t-let-black-friday-be-the-reason-for-your-financial-woes','<p align=\"right\"><strong>November 2018</strong></p>\r\n<p>Out of the 24.59 million credit active consumers, 61.1% are in good standing. However, 38.9% or 9.6 million consumers have impaired records. This is a record on which a consumer and/or any of the accounts are either classified as three or more payments or months in arrears, have an adverse listing, have a judgment or an administration order.</p>\r\n<p>“If you did not budget for “Black Friday” this year, do not be tempted because buying on impulse may cause you to have a bad credit record”, says Jimmy Golele, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).</p>\r\n<p>By preparing a budget, consumers can prevent buyers’ remorse and stress of arriving home with products and items that they do not really need. “Credit needs to be paid back with interest and fees”.  “It does cost more to pay by credit than to pay cash”, adds Golele.</p>\r\n<p>The Consumer Credit Market Report (CCMR) which is a publication issued by the NCR indicates that a large number of consumers have taken out credit facilities which largely include credit / garage cards and store cards. The NCR advises consumers to use credit wisely and only when it is necessary.</p>\r\n<p>Golele says that consumers need to take credit that they can afford and pay accordingly as per their credit agreements. Skipping payments will adversely affect consumers’ credit reports which will limit their future chances of accessing further credit when they really need it.</p>\r\n<p>Golele reminds consumers that the festive season is around the corner and if they do not spend wisely during this Black Friday, this could set them back financially in the new year and it will be difficult to catch up. “Consumers should prioritise necessities like their bond / rent, transport, groceries, school fees, insurance etc. before splurging on Black Friday”, advises Golele. “It is really not wise to fund Black Friday shopping spree by taking unnecessary debt because debt is costly and should be used for asset building”, says Golele.</p>\r\n<p>To help consumers avoid the urge to unnecessarily spend this Black Friday, Golele offers these helpful tips:</p>\r\n<ul>\r\n<li>Set a realistic budget of what you can afford to spend and stick to it;</li>\r\n<li>Don’t spend what you don’t have – this means do not live beyond your means and don’t buy if you haven’t budgeted;</li>\r\n<li>If an item is on sale and you buy it on credit, remember that interest and fees will push up the price. Therefore, cash is king!</li>\r\n<li>Don’t be impulsive when you shop;</li>\r\n<li>Have a shopping list to avoid buying unnecessary items - if you don’t need it now, chances are you may never need it. So avoid wasting your time and hard earned money;</li>\r\n<li>Don’t forget to get a free copy of your credit report from registered credit bureaus on the NCR’s website: <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a>.</li>\r\n</ul>\r\n<p> </p>\r\n<p>“Don’t let Black Friday burn a hole in your pocket and be a reason for your financial woes next year”, concludes Golele.</p>\r\n<p align=\"center\"><strong>ENDS</strong> </p>\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p> </p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak20434\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak93619\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-04-24 10:46:50',915,'','2019-04-24 10:46:50',0,0,'0000-00-00 00:00:00','2019-04-24 10:46:50','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,46,'','',1,2332,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(59,177,'The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling','the-national-credit-regulator-to-educate-the-community-of-katlehong-in-ekurhuleni-on-their-consumer-rights-and-debt-counselling','<p align=\"right\">November 2018</p>\r\n<p>The National Credit Regulator (NCR) will be hosting a workshop in Katlehong on Saturday, 17 November 2018 on an initiative to educate consumers who reside in and around Katlehong on the National Credit Act (NCA), debt counselling, their consumer rights and responsibilities on credit related matters. This workshop will be held in Ekurhuleni School for the Deaf.</p>\r\n<p>The workshop aims to equip the community with education and awareness of their rights and responsibilities on credit related matters in terms of the National Credit Act. Statistics show that there are about 24.59 million credit active consumers in South Africa and of this number, 38.9% which is 9.6 million consumers unfortunately have impaired records. An impaired record is a record in which a consumer and/or any of the accounts are either classified as three or more payments or months in arrears, have an adverse listing, have a judgment or an administration order.</p>\r\n<p>The NCR will be providing consumers of Katlehong and the surrounding areas with guidance on how to manage their debts, what debt counselling is, how does it work and also dispel the myths associated with debt counselling and the roles of credit bureaus. Kedilatile Legodi, Manager: Debt Counselling at the National Credit Regulator says the NCR will be educating, raising awareness and empowering consumers on how to handle credit and/or debt related problems. </p>\r\n<p>She says that there are many reasons why people find themselves in financial distress, such as the recession, change in circumstances like divorce or death, poor financial planning and others. These may cause consumers to find themselves no longer being able to pay their monthly debt repayments.</p>\r\n<p>Legodi says that consumers who are in this situation should not hide or feel despondent as there could be help in the form of debt counselling. Debt counselling is a debt relief measure in terms of the NCA that aims to provide relief for consumers who are struggling with debt. This service is only offered by debt counsellors who are registered with the NCR.</p>\r\n<p>The NCR has also invited different stakeholders dealing with consumer related issues who will be present on the day of the workshop. We therefore encourage consumers, to attend this workshop and use the opportunity to engage the NCR on any credit related query and/or complaint they may have. A consumer who is educated on his/her rights is a protected one, concludes Legodi.</p>\r\n<p align=\"center\">ENDS</p>\r\n<hr />\r\n<p align=\"center\"><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak73060\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak28627\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>\r\n<p> </p>','',1,8,'2019-04-24 10:47:19',915,'','2019-04-24 10:47:19',0,0,'0000-00-00 00:00:00','2019-04-24 10:47:19','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,45,'','',1,1542,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(60,178,'The National Credit Regulator issues a public warning about Charis Financial Services','the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services-2','<p align=\"right\"><strong>October 2018</strong></p>\r\n<p>The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal. <br /> <br /> Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.  <br /> <br /> “Credit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and / or the value of the principal debt”, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.</p>\r\n<p>“The NCR will continue with operations to monitor unregistered entities around the country and will bring applications to the National Consumer Tribunal to have credit agreements concluded by unregistered entities to be declared unlawful”, she added.</p>\r\n<p>“Consumers are urged to ensure that they only apply for credit from credit providers who are registered with the NCR”, Peters concluded.  If a consumer is unsure or in doubt about the legitimacy of the credit provider or a credit agreement, they should contact the NCR on (011) 554-2600/2700 or visit <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a>.   </p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <span id=\"cloak92562\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span><br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak39042\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-04-24 10:48:22',915,'','2019-04-24 10:48:22',0,0,'0000-00-00 00:00:00','2019-04-24 10:48:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,44,'','',1,2026,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(61,179,'Credit extension seasonally surges','credit-extension-seasonally-surges','<p align=\"right\"><strong>October 2018</strong></p>\r\n<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018. <br /> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2018:</p>\r\n<ul>\r\n<li>The value of new mortgages granted increased by R4.78 billion (13.50%) quarter-on-quarter and by R3.34 billion (9.07%) year-on-year.</li>\r\n<li>Secured credit which is dominated by vehicle finance, increased by R61.21 million (0.15%) quarter-on-quarter and by R2. 38 billion (6. 07%) year-on-year.</li>\r\n<li>Credit facilities increased by R1.90 billion (11.35%) quarter-on-quarter and by R3.30 billion (21.56%) year-on year.</li>\r\n<li>Unsecured credit increased by R2.77 billion (11.95%) quarter-on-quarter and by R5.94 billion (29.58%) year-on-year.</li>\r\n</ul>\r\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2018 was R1.80 trillion, representing an increase of 1.14% quarter-on-quarter and 4.76% year-on-year. The trends for outstanding balances for the quarter ended June 2018 were as follows:</p>\r\n<ul>\r\n<li>Mortgages debtors book increased by R8.44 billion (0.92%) for the quarter ended June 2018 and by R33.11 billion (3.72%) year-on-year.</li>\r\n<li>Secured credit debtors book increased by R3. 49 billion (0.85%) for the quarter ended June 2018 and by R23.09 billion (5.87%) year-on-year.</li>\r\n<li>Credit facilities debtors book increased by R1.54 billion (0.67%) for the quarter ended June 2018 and by R6.28 billion (2.79%) year-on-year.</li>\r\n<li>Unsecured credit debtors book increased by R6.01 billion (3.48%) for the quarter ended June 2018 and by R13.16 billion (7.96%) year-on-year.</li>\r\n</ul>\r\n<p>Credit bureaus held records for 24.59 million credit-active consumers, which showed a decrease of 3.44% when compared to the 25.46 million in the previous quarter. Consumers classified in good standing decreased by 751,431 to 15.02 million consumers. This amounts to 61.08% of the total number of credit-active consumers, a decrease of 0.85% quarter-on-quarter and an increase of 0.17% year-on-year. The number of credit active accounts decreased from 79.08 million to 76.02 million in the quarter ended June 2018. The number of impaired accounts has decreased in absolute terms from 19.42 million (24.55%) to 19.07 million (25.08%) when compared to March 2018, a decrease of 348,729 quarter-on-quarter and 905,454 year-on-year.</p>\r\n<p>The number of enquiries made on consumer credit records was 375.32 million, this was a decrease of 14.64% quarter-on-quarter and of 21.80% year-on-year. Consumer initiated enquiries accounted for 24.52 million of all enquiries, an increase of 0.94% quarter-on-quarter and 33.11% year-on-year. The number of credit reports issued to consumers decreased from 196,920 in the previous quarter to 174,378. A total 98,523 (56.50%) credit reports were issued without charge, and the remaining 75,855 (43.50%) were issued with charge. There were 32,727 disputes lodged on information held on consumer credit records for the quarter ended June 2018, an increase of 6.07% quarter-on-quarter and of 5.26% year-on-year.</p>\r\n<p>Consumers battling with their debt repayments should not despair, they are encouraged not to avoid their credit providers but to approach them to assist with payment re-arrangements. In worst cases the assistance of registered debt counsellors must be sought. The debt counselling process was introduced to assist consumers who are over-indebted. Such consumers can no longer meet their debt obligation and living expenses with their income. A registered debt counsellor will assist the consumer with budget advice and assist with the debt restructuring on behalf of the consumer, says Nomsa Motshegare, CEO at the NCR. Consumers must have an income to be accepted to the debt counselling process. Their income will be used in the restructuring process with credit providers, concludes Motshegare.</p>\r\n<p><strong><em>Comparisons in this release- ‘quarter-on-quarter’ refers to a comparison between the March 2018 and June 2018 quarters, and ‘year-on-year’ refers to a comparison between the June 2017 and June 2018 quarters</em></strong><strong>.</strong></p>\r\n<p align=\"center\">Issued by: The National Credit Regulator</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak73877\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span> <br /> Or<br /> Lebogang Selibi<br /> (011)  554-2722<br /> E-mail: <span id=\"cloak27161\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2018-08-03 10:49:01',915,'','2019-07-03 21:20:16',915,0,'0000-00-00 00:00:00','2018-08-03 10:49:01','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,43,'','',1,5248,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(62,185,'Credit Bureau Compliance','compliance-credit-bureau','<h5>Mandate of the Credit Bureau Compliance</h5>\r\n<p>Credit Information Department , regulates  the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (“NCA”).</p>\r\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and  accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.</p>\r\n<ol>\r\n<li><a href=\"documents/pages/registration&amp;compliance/compliance&amp;reports/compliance_reports_cb/NCR FORM 43.xls\" target=\"_blank\" rel=\"noopener noreferrer\">Annual Compliance Report</a><br />\r\n<ul>\r\n<li><a href=\"documents/pages/registration&amp;compliance/compliance&amp;reports/compliance_reports_cb/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Guidance Explanatory Form 43 for Auditors</a></li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/compliance&amp;reports/compliance_reports_cb/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Guidance Explanatory Notes Form 43 for Credit Bureaus</a></li>\r\n</ul>\r\n</li>\r\n<li><a href=\"documents/pages/registration&amp;compliance/compliance&amp;reports/compliance_reports_cb/Quarterly Synoptic Report ver 1.4 - 24102007.xls\" target=\"_blank\" rel=\"noopener noreferrer\">Quarterly Synoptic Reports</a></li>\r\n</ol>','',1,39,'2019-06-05 12:56:07',915,'','2020-10-02 08:20:17',915,0,'0000-00-00 00:00:00','2019-06-05 12:56:07','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',8,2,'','',1,37349,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(63,186,'Debt Counselling','debt-counselling','<h5>Mandate of the Debt Counselling department</h5>\r\n<p>To monitor compliance of Debt Counsellors, Credit Providers’ debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act (NCA) and their conditions of registration.</p>\r\n<h5>What is debt counselling?</h5>\r\n<ul>\r\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.</li>\r\n<li>To determine the level of over-indebtedness and how consumers can be assisted, an assessment of the consumers\' financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.</li>\r\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and the restructuring the debts will commence.</li>\r\n<li>Lastly, the restructuring of debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.</li>\r\n</ul>\r\n<h5>Who conducts debt counselling?</h5>\r\n<ul>\r\n<li>Debt counselling is conducted by a Debt Counsellor (DC) registered with the NCR. Upon registration, the DC is provided with a registration certificate which he/she should display at his/her place of practice. This certificate can be requested for inspection by the consumer if not displayed at the place of practice.</li>\r\n<li>The DC has an obligation to explain the debt counselling process and consequences of being under debt counselling to the consumer before the consumers can sign the application for debt counselling. All applicable fees must be disclosed to the consumer in writing.</li>\r\n</ul>\r\n<h5>The debt counselling process</h5>\r\n<h5>Application process</h5>\r\n<ul>\r\n<li>A consumer voluntarily applies for debt counselling to a DC by completing an application (Form 16) and by submitting relevant documentation.</li>\r\n<li>Consumers married in community of property(COP) must make a joint debt counselling application and cannot apply for debt counselling without consent from their spouse.</li>\r\n<li>A DC will inform credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer.</li>\r\n<li>A credit provider will send the Certificate of Balance(COB) to the DC showing the latest financial information specific the credit agreement, such as outstanding balance, monthly instalment, interest rate and others within five (5) business days of receiving the notification for debt counselling application (Form 17.1).</li>\r\n<li>A credit bureau will place a debt counselling flag on the consumer’s credit profile. This flag is not a negative listing or “Blacklisting” as mostly referred to, it is just an indicator that the consumer is under debt counselling.</li>\r\n<li>A consumer who is under debt counselling cannot apply for further credit.</li>\r\n<li>The debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from date of application. Within this period, the consumer is protected against legal action such as repossession of assets, default judgment and others by the credit providers.</li>\r\n</ul>\r\n<h5>&gt;Assessment process</h5>\r\n<ul>\r\n<li>A DC will upon receipt of a COB conduct an assessment to determine if the consumer is over-indebted or not.</li>\r\n<li>After the assessment, the DC will either reject the application (if consumer is not found to be over-indebted) or accept the application (if consumer is found to be over-indebted) and communicate the outcome with the consumer, credit providers and credit bureaus by means of a Form 17.2.</li>\r\n</ul>\r\n<h5>Negotiation process</h5>\r\n<ul>\r\n<li>If the application is accepted, the DC will draft a restructuring proposal and send it to the creditor providers for consideration;</li>\r\n<li>If all credit providers accept the restructuring proposal, the DC will refer the matter to the NCT for a consent order;</li>\r\n<li>If one or more credit provider decline the restructuring proposal, the DC will refer the matter to the Magistrate Court for adjudication;</li>\r\n<li>If the Magistrate Court grants the restructuring court order, the DC will send the court order to the consumer and all applicable credit providers.</li>\r\n</ul>\r\n<h5>Restructuring process</h5>\r\n<ul>\r\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in line with the terms of the restructuring court/consent order.</li>\r\n</ul>\r\n<h5>Payment process</h5>\r\n<ul>\r\n<li>Debt counselling does not offer any payment holiday and a consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process.  </li>\r\n<li>A consumer who is under debt counselling can make payments directly to his/her credit provider(s) or make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.</li>\r\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.</li>\r\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider may terminate the debt counselling application and enforce legal steps against the consumer.</li>\r\n</ul>\r\n<h5>Clearance certificate process</h5>\r\n<p>A consumer under debt counselling, can only be cleared or exit debt counselling if the following has occurred:</p>\r\n<ul>\r\n<li>If all debts that have been subject to the debt counselling restructuring order have been paid up in full; or</li>\r\n<li>If all short term debts have been paid up in full and the only remaining debt is a home loan account which is up to date in terms of the debt counselling restructuring order.</li>\r\n</ul>\r\n<p>After verifying all the paid up letters, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer’s debts which were under debt counselling.</p>\r\n<h5>Applicable debt counselling fees</h5>\r\n<p>The debt counselling service is not offered for free and there are fees applicable, however consumers do not have to borrow money to make payment for debt counselling fees.<em> <a href=\"../documents/debt%20counselling%20fee%20structure%20guideline.pdf\">Click here to view the DC fees</a></em></p>','',1,31,'2019-06-06 09:53:22',915,'','2020-09-23 15:13:48',915,0,'0000-00-00 00:00:00','2019-06-06 09:53:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',15,0,'','',1,55075,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(64,189,'Statistics and Research ','statistics-and-research','<h5>Mandate of the Statistics and Research department</h5>\r\n<p>Statistics and Research department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrants such as credit providers, credit bureaus, debt counsellors. Our flagship reports emanating from the data are the Consumer Credit Market Report (CCMR) which represents the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act (NCA) and Credit Bureau Monitor (CBM) and is based on data held by registered credit bureaus in terms of the NCA.</p>\r\n<p>The department is also responsible for conducting research taking into account the prevailing trends and market conditions in line with Sections 13 and 16 of the NCA and may undertake research in line with requirements of the NCR executive committee or relevant minister.</p>\r\n<p><a href=\"index.php/publications/credit-bureau-monitor-cbm\">Please click here to view the Credit Bureau Monitor (CBM)</a></p>\r\n<p><a href=\"index.php/publications/consumer-credit-market-report-ccmr\">Please click here to view the Consumer Credit Market Report (CCMR)</a></p>\r\n<p><a href=\"../documents/pages/compliance&amp;reports_cp/Copy%20of Form 39 .xls\">Please click here to view the Statistical Returns (Form 39)</a></p>','',1,32,'2019-06-10 14:32:35',915,'','2020-09-23 14:46:02',915,0,'0000-00-00 00:00:00','2019-06-10 14:32:35','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',9,0,'','',1,15060,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(65,190,'Contact the National Credit Regulator','contact-the-national-credit-regulator','','',1,18,'2019-06-25 13:12:48',915,'','2019-06-25 13:12:48',0,0,'0000-00-00 00:00:00','2019-06-25 13:12:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,0,'','',1,3123,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(66,194,'map','map','<p>{googleMaps addr=\"37.4219720, -122.0841430\"}</p>','',1,2,'2019-06-26 09:21:54',915,'','2019-06-26 09:30:19',915,0,'0000-00-00 00:00:00','2019-06-26 09:21:54','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"0\",\"link_titles\":\"0\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',4,3,'','',1,2707,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(67,196,'Background Documents on the NCA','background-documents-on-the-nca-2','<h4>Credit law review: setting the scene</h4>\r\n<p><img src=\"images/NCA_document_1.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Introduction-RevNo1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view the Credit law review: setting the scene</a></p>\r\n<hr />\r\n<h4>Credit Law Review | August 2003</h4>\r\n<p><img src=\"images/NCA_document_2.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Summary of Findings.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view the Credit Law Review</a></p>\r\n<hr />\r\n<h4>Making Credit Markets Work | A Policy Framework for Consumer Credit</h4>\r\n<p><img src=\"images/NCA_document_3.jpg\" alt=\"\" /></p>\r\n<p><a href=\"documents/pages/background_documents/Credit Law Review.pdf\">Click here to view the Making Credit Markets Work</a></p>','',1,19,'2019-06-27 08:47:26',915,'','2019-06-27 08:47:26',0,0,'0000-00-00 00:00:00','2019-06-27 08:47:26','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,0,'','',1,36163,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(68,198,'The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act','the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act','<p align=\"right\"><strong>July 2019</strong></p>\r\n<p>The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.</p>\r\n<p>The NCR had sought an order from the High Court that the common law set-off has been superseded by section 124 of the NCA. The common law set-off is applied when two persons owe each other and the debts are extinguished by setting them off against each other. The banks apply this by transferring funds deposited into consumers’ accounts to settle debts on credit agreements without the consumers’ authorisation.</p>\r\n<p>The court ruled that the purpose of section 124 is to effect a break from the common law and to oust the continued application of the common law set-off in parallel with section 124. It also ruled that section 124 excludes the operation of the common law set-off in all credit agreements that are regulated by the NCA.</p>\r\n<p>“The NCR welcomes this judgment as it protects consumers from financial difficulties caused by the arbitrary transfer of funds from their accounts by banks”, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p>“Banks should obtain permission from consumers before transferring funds from consumers’ accounts to pay amounts due under credit agreements”, Motshegare added. </p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information, contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Or<br /> Lebogang Selibi<br /> (011) 554-2722<br /> 064 752 3920<br /> E-mail: <a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></p>','',1,8,'2019-07-02 14:15:19',915,'','2019-07-02 14:15:19',0,0,'0000-00-00 00:00:00','2019-07-02 14:15:19','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,42,'','',1,5170,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(69,199,'The Tribunal rules that child support and foster care grants cannot be used as consumer’s income to apply for credit.','the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit','<p align=\"right\"><strong>July 2019</strong></p>\r\n<p>The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.</p>\r\n<p>The evidence presented by the NCR showed that JMK Cash Loans extended credit to consumers who received child support and foster care social grants.</p>\r\n<p>In its judgment, the Tribunal made a finding that child support and foster care social grants are income to be used for the benefit of third parties and cannot be deemed to be the consumer’s income.</p>\r\n<p>“This judgement clarifies that child support and foster care social grants are not to be used as consumer income in credit applications. They are intended to be used for the care and support of the children”, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p>“Credit providers are warned to observe this judgement and ensure that they do not allow consumers to use child support and foster care social grants as income in credit applications”, concludes Motshegare.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p align=\"center\"><strong>Issued by:</strong></p>\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p> </p>\r\n<p align=\"center\"><strong>For more information, contact:</strong></p>\r\n<p align=\"center\">Media Office: <span id=\"cloak16541\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span></p>\r\n<p align=\"center\">Or<br /> Lebogang Selibi<br /> (011) 554-2722<br /> 064 752 3920<br /> E-mail: <span id=\"cloak28233\"><a href=\"mailto:lselibi@ncr.org.za\">lselibi@ncr.org.za</a></span></p>','',1,8,'2019-07-18 08:37:31',915,'','2019-08-01 08:38:44',915,0,'0000-00-00 00:00:00','2019-07-18 08:37:31','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,41,'','',1,5193,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(70,200,'Media Release','media-release','<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"994\">\r\n<tbody>\r\n<tr>\r\n<td style=\"width: 108px;\">October 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/media releaase october 2023 - NCR and IFC Tech Competition Fosters Financial Inclusion and Empowers                     Small Credit Providers in South Africa.pdf\">NCR and IFC Tech Competition Fosters Financial Inclusion and Empowers Small Credit Providers in South Africa</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">October 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/CCMR-CBM Press Release October 2023 (003).pdf\">Credit Extension slows down while impairments worsen</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">September 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Media Release- TechSprint (11 Sept).pdf\">National Credit Regulator and IFC announce Tech Competition to Empower Small Credit Providers in South Africa</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/investigations in the cape town.pdf\">Investigations in the Cape Town</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">August 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Media Release- TechSprint Briefing.pdf\">TechSprint Briefing Media Release</a></td>\r\n</tr>\r\n<tr>\r\n<td style=\"width: 108px;\">March 2023</td>\r\n<td style=\"width: 814px;\"><a href=\"documents/Circulars/CCMR-CBM Press Release March 2023 final.pdf\">CCMR-CBM Press Release March 2023 final</a></td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">January 2023</td>\r\n<td width=\"826\"><a href=\"documents/media release Borrow Wisely 2023.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Borrow Wisely. T’s and C’s apply! </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">December 2022</td>\r\n<td width=\"826\"><a href=\"documents/Spend wisely during festive season December 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Spend wisely during festive season </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">November 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Don’t let Black Friday lead to a Blacklisting! </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">October 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release Stats_September 2022 (002) (2) (002).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit extension marginally slows down </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">September 2022</td>\r\n<td width=\"826\"><a href=\"documents/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Don’t be the next victim of a cyber-scam </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">August 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release - Debt counselling Campaign(August)-Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt counselling-a debt relief measure for over-indebted consumers </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">June 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release on credit bureau information Youth - 30 June 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Keep your credit bureau record clean regardless of the rising cost of living </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">May 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release - MSR_May 2022.pdf\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">March 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release _Social media advertising Debt Counselling- March 2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Misleading advertising on Social Media platforms regarding debt counselling </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">March 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release Consumer Rights 2022 .pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Consumer rights in the digital world </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">January 2022</td>\r\n<td width=\"826\"><a href=\"documents/Media release on borrow wisely - 2022 final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Consumers are encouraged to borrow wisely and start saving </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">November 2021</td>\r\n<td width=\"826\"><a href=\"documents/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Be smart, mind your money, know your rights webinar </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">November 2021</td>\r\n<td width=\"826\"><a href=\"documents/Clarke Gardener.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">November 2021</td>\r\n<td width=\"826\"><a href=\"documents/Media Release Black Friday FINAL.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Lit Black Friday Vibes – Don’t burn your budget! </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">October 2021</td>\r\n<td width=\"826\"><a href=\"documents/media release Cards retention.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">It is illegal for a credit provider to take a consumer’s ID or cards when granting credit </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">October 2021</td>\r\n<td width=\"826\"><a href=\"documents/Press release October 2021 -.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Mortgages growth holds steady </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">August 2021</td>\r\n<td width=\"826\"><a href=\"documents/Looting destruction.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Looting mayhem has cost some consumers dearly</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">August 2021</td>\r\n<td width=\"826\"><a href=\"documents/Approved media release Debt counselling2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt counselling offers new lease of life for over-indebted consumers</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">July 2021</td>\r\n<td width=\"826\"><a href=\"documents/Media release Mens vs Finances 2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Men and finances</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">July 2021</td>\r\n<td width=\"826\"><a href=\"documents/press release June 2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit extension slows down</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">June 2021</td>\r\n<td width=\"826\"><a href=\"documents/Media release June 2021- Youth and CB.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The importance of knowing your credit status</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">June 2021</td>\r\n<td width=\"826\"><a href=\"documents/Debt Relief - June 2021 (003).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to “Debt Intervention”</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">April 2021</td>\r\n<td width=\"826\"><a href=\"documents/4. Credit Ombud and NCR MoU.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The NCR and the Credit Ombud rowing together in the same boat.</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">March 2021</td>\r\n<td width=\"826\"><a href=\"documents/Consumer Rights - March 2021_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Don’t let bad credit pollute your life</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">January 2021</td>\r\n<td width=\"826\"><a href=\"documents/Borrow Wisely Media Release FINAL.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Start the 2021 on a good note, spend wisely borrow wisely!</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">December 2020</td>\r\n<td width=\"826\"><a href=\"documents/Media Release - Spend wisely..pdf\" target=\"_blank\" rel=\"noopener noreferrer\">2020 has been difficult for many, spend wisely for a better New Year</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">November 2020</td>\r\n<td width=\"826\"><a href=\"documents/Media Release - Black Friday 2020..pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Avoid spending what you do not have on Black Friday!</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">October 2020</td>\r\n<td width=\"826\"><a href=\"documents/press release October 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Covid-19 impact on credit extension</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">September 2020</td>\r\n<td width=\"826\"><a href=\"documents/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">September 2020</td>\r\n<td width=\"826\"><a href=\"documents/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue</a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">August 2020</td>\r\n<td width=\"826\"><a href=\"documents/Debt counselling provides hope for those in need.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debt counselling provides hope for those in need </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">July 2020</td>\r\n<td width=\"826\"><a href=\"documents/Consumer Options during COVID19.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Managing debt during COVID-19 times </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">April 2020</td>\r\n<td width=\"826\"><a href=\"documents/COVID-19- Credit Life Insurance..pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Consumers advised to use their credit life insurance for relief </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">April 2020</td>\r\n<td width=\"826\"><a href=\"documents/Media Release - Fake CPs and Upfront Payment.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Be careful of \"fake\" credit provider scams during the covid-19 pandemic </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">March 2020</td>\r\n<td width=\"826\"><a href=\"documents/COVID-19 Media Release.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Avoid panic buying as it may lead to over-indebtedness </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">March 2020</td>\r\n<td width=\"826\"><a href=\"documents/Consumer Rights - March 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Know your Consumer Rights and be protected </a>  </td>\r\n</tr>\r\n<tr>\r\n<td width=\"156\">January 2020</td>\r\n<td width=\"826\"><a href=\"documents/Shoprite 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Appeal court confirms Shoprite granted credit recklessly to consumers </a>  </td>\r\n</tr>\r\n<tr>\r\n<td>January 2020</td>\r\n<td><a href=\"documents/Asia Lamara.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">National Credit Regulator: Asia Lamara’s registration as a debt counsellor cancelled </a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2020</td>\r\n<td><a href=\"documents/Borrow Wisely - January 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit is expensive, be a smart consumer and borrow wisely! </a> </td>\r\n</tr>\r\n<tr>\r\n<td>December 2019</td>\r\n<td><a href=\"documents/Spend wisely - December 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Spend wisely this festive season, January is a few weeks away! </a>                                                          </td>\r\n</tr>\r\n<tr>\r\n<td>November 2019</td>\r\n<td><a href=\"documents/Black Friday - November 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Don’t let Black Friday lead to “Blacklisting”! </a></td>\r\n</tr>\r\n<tr>\r\n<td>November 2019</td>\r\n<td><a href=\"documents/CB Compliance Media Release - November 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">National Credit Regulator: Do not be duped to pay for free services </a></td>\r\n</tr>\r\n<tr>\r\n<td>October 2019</td>\r\n<td><a href=\"documents/Press Release October 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Increase in credit extension </a>                                                          </td>\r\n</tr>\r\n<tr>\r\n<td>August 2019</td>\r\n<td><a href=\"documents/Debt Counselling - August.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Consider debt counselling to defeat debt</a></td>\r\n</tr>\r\n<tr>\r\n<td>July 2019</td>\r\n<td><a href=\"documents/Media Release July 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The Tribunal rules that child support and foster care grants cannot be used as consumer’s income to apply for credit.</a>                                                          </td>\r\n</tr>\r\n<tr>\r\n<td>July 2019</td>\r\n<td><a href=\"documents/Standard Bank common law set-off judgment.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act</a></td>\r\n</tr>\r\n<tr>\r\n<td>May 2019</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Card Retention.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers </a></td>\r\n</tr>\r\n<tr>\r\n<td>April 2019</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/VW on the road fees.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful </a></td>\r\n</tr>\r\n<tr>\r\n<td>February 2019</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Eastern cape raid - Feb 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape </a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2019</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Borrow Wisely 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> If you have to borrow, borrow wisely! </a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2019 -</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/NCR issues warning against fake loan scams 2019.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> National Credit Regulator issues a public warning against fake loan scams </a></td>\r\n</tr>\r\n<tr>\r\n<td>December 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Spend Wisely.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Do not overdo it this festive season – Spend Wisely!</a></td>\r\n</tr>\r\n<tr>\r\n<td>November 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Media release on decision of the SCA on MFSA application for special leave.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> The Supreme Court of Appeal dismisses the MFSA’s application for special leave to appeal the judgment of the Full Court of the North Gauteng </a></td>\r\n</tr>\r\n<tr>\r\n<td>November 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Black Friday - November1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Don’t let Black Friday be the reason for your financial woes! </a></td>\r\n</tr>\r\n<tr>\r\n<td>November 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Media Release - Debt Counselling.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling </a></td>\r\n</tr>\r\n<tr>\r\n<td>October 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Media Release 17 october.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> The National Credit Regulator issues a public warning about Charis Financial Services </a></td>\r\n</tr>\r\n<tr>\r\n<td>October 2018</td>\r\n<td><a href=\"documents/Press Relese oct 2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Credit extension seasonally surges </a></td>\r\n</tr>\r\n<tr>\r\n<td>September 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Debt Counselling - SeptemberMedia Release (00000003).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">If you can no longer afford to pay your debts, debt counselling could be of help</a></td>\r\n</tr>\r\n<tr>\r\n<td>August 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Media statement on Full Court judgment against MFSA.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan</a></td>\r\n</tr>\r\n<tr>\r\n<td>August 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/NCR -Lewis Stores_SCA Leave to Appeal.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment</a></td>\r\n</tr>\r\n<tr>\r\n<td>July 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/NCR issues warning against fake loan scams.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">8 NCR issues warning against fake loan scams</a></td>\r\n</tr>\r\n<tr>\r\n<td>June 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/CCMR CBM Press Release June 2018_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">J Credit extension slows down </a></td>\r\n</tr>\r\n<tr>\r\n<td>April 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Consumer credit health improves.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Consumer credit health improves </a></td>\r\n</tr>\r\n<tr>\r\n<td>March 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Consumerrights.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Know your rights - Do not to pay any upfront fees when applying for loans </a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2018</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Borrow Wisely.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Avoid over-indebtedness and borrow wisely </a></td>\r\n</tr>\r\n<tr>\r\n<td>Novemeber 2017</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/Black Friday and Festive spending.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Don’t shop till you drop on Black Friday - Spend Wisely </a></td>\r\n</tr>\r\n<tr>\r\n<td>October 2017</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/media Release VWFS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements </a></td>\r\n</tr>\r\n<tr>\r\n<td>September 2017</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/SHOPRITE MEDIA RELEASE.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Tribunal finds Shoprite guilty of reckless lending </a></td>\r\n</tr>\r\n<tr>\r\n<td>August 2017</td>\r\n<td><a href=\"http://www.ncr.org.za/documents/CCMR  CBM Press Release March 2017_20170807.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Credit extension slows down </a></td>\r\n</tr>\r\n<tr>\r\n<td>July 2017</td>\r\n<td><a href=\"documents/Foschini.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act</a></td>\r\n</tr>\r\n<tr>\r\n<td>June 2017</td>\r\n<td><a href=\"documents/Recession may affect consumers badly _ June 2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Recession may affect consumers badly</a></td>\r\n</tr>\r\n<tr>\r\n<td>June 2017</td>\r\n<td><a href=\"documents/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> NCR appeals NCT Judgment in favour of Lewis Stores</a></td>\r\n</tr>\r\n<tr>\r\n<td>June 2017</td>\r\n<td><a href=\"documents/Mr Price media statement.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act</a></td>\r\n</tr>\r\n<tr>\r\n<td>May 2017</td>\r\n<td><a href=\"documents/Medial Release on Allied Capital LM  15 May 2017.pdf\"> Tribunal declares Allied Capital (Pty) Ltd’s “pawn your car and still drive it” scheme unlawful and orders return of consumers’ cars</a></td>\r\n</tr>\r\n<tr>\r\n<td>March 2017</td>\r\n<td><a href=\"documents/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights</a></td>\r\n</tr>\r\n<tr>\r\n<td>March 2017</td>\r\n<td><a href=\"documents/Theunissen release.pdf\">National Credit Regulator raids Nian Shun Trading in Theunissen</a></td>\r\n</tr>\r\n<tr>\r\n<td>March 2017</td>\r\n<td><a href=\"documents/MEDIA_RELEASE_unregistered_entities.pdf\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers</a></td>\r\n</tr>\r\n<tr>\r\n<td>February 2017</td>\r\n<td><a href=\"documents/MEDIA RELEASE -Eagle Cahs Loans.pdf\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act</a></td>\r\n</tr>\r\n<tr>\r\n<td>February 2017</td>\r\n<td><a href=\"documents/Final Credit Life Insurance Regulations.pdf\"> Final Credit Life Insurance Regulations</a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2017</td>\r\n<td><a href=\"documents/Media release on set-off.pdf\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court</a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2017</td>\r\n<td><a href=\"documents/Media Release - January 2017.pdf\">Borrow responsibly with the future in mind</a></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,17,'2019-08-06 08:17:21',915,'','2023-10-16 15:41:07',915,0,'0000-00-00 00:00:00','2019-08-06 08:17:21','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',97,1,'','',1,36930,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(71,201,'Campaigns','campaigns','<table border=\"0\" width=\"100%\" cellspacing=\"10\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table width=\"100%\" cellspacing=\"10\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\">\r\n<h3>Debt Counselling</h3>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\"><img src=\"images/campaign images/Social-Media-Post-1.jpg\" alt=\"\" width=\"200\" /></td>\r\n<td align=\"center\"><img src=\"images/campaign images/Social-Media-Post-2.jpg\" alt=\"\" width=\"200\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table width=\"100%\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td align=\"center\"><img src=\"images/campaign images/NCR Social-Media-Post-3.jpg\" alt=\"\" width=\"200\" /></td>\r\n<td align=\"center\"><img src=\"images/campaign images/NCR Social-Media-Post-4.jpg\" alt=\"\" width=\"200\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table width=\"100%\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td><img src=\"images/campaign images/NCR-Social-02.jpg\" alt=\"\" width=\"200\" /></td>\r\n<td><img src=\"images/campaign images/NCR-Social-03.jpg\" alt=\"\" width=\"200\" /></td>\r\n<td><img src=\"images/campaign images/NCR-Social-04.jpg\" alt=\"\" width=\"200\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table border=\"0\" width=\"100%\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"4\" align=\"center\">\r\n<h5>Debt Counselling Campaign </h5>\r\n</td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/campaign images/Debt Counselling Camp - sep2010/thumb010.jpg\" alt=\"\" width=\"110\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Debt Counselling Camp - sep2010/thumb011.jpg\" alt=\"\" width=\"110\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Debt Counselling Camp - sep2010/thumb012.jpg\" alt=\"\" width=\"110\" height=\"143\" /> </td>\r\n<td> <img src=\"images/campaign images/Debt Counselling Camp - sep2010/thumb013.jpg\" alt=\"\" width=\"110\" height=\"143\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table border=\"0\" width=\"100%\" cellspacing=\"10\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td>Youth Month<br /> Campaign</td>\r\n<td>Debt Counselling<br /> Campaign</td>\r\n<td>Spend Wisely<br /> Campaign</td>\r\n<td>World Cup<br /> Campaign</td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/campaign images/Youth Month Camp/youth_camp_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Debt Counselling Camp - Aug2009/debt_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Spend Wisely Camp/Tighten_your_belt_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/World Cup Camp - june2010/world_cup_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table border=\"0\" width=\"100%\" cellspacing=\"10\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td colspan=\"2\">\r\n<h5>Women\'s Month Campaign</h5>\r\n</td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/campaign images/Women\'s Month Camp/5_tips2010_07_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Women\'s Month Camp/5_tips2010_08_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\">\r\n<h5>Savings Month Campaign - Starting saving today Campaign</h5>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\"><img src=\"images/campaign images/SASI/sasi_thumb_04.jpg\" alt=\"\" width=\"240\" height=\"63\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\">\r\n<h5>Consumer Rights</h5>\r\n<img src=\"images/website banner consumer rights.jpg\" width=\"70%\" /></td>\r\n</tr>\r\n<tr>\r\n<td align=\"center\" valign=\"top\">\r\n<ul>\r\n<li><a href=\"images/NCR TV Ad final.mp4\">click here to hear the Radio advert</a></li>\r\n</ul>\r\n</td>\r\n<td valign=\"top\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\">\r\n<ul>\r\n<li type=\"\"><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Afrikaans</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - English (35sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">English</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Ndebele (46sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Ndebele</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Sepedi (45sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Sepedi</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - South Sotho (48sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Sesotho</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Setswana (48sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Setswana</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Siswati (50sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Siswati</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Venda (47sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Venda</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Xhosa (49sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Xhosa</a></li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Xitsonga</a></li>\r\n</ul>\r\n</td>\r\n<td>\r\n<ul>\r\n<li><a href=\"documents/radio advert/NCR Budget Save Radio Advert - Zulu (49sec).wav\" target=\"_blank\" rel=\"noopener noreferrer\">Zulu</a></li>\r\n</ul>\r\n</td>\r\n<td> </td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\">\r\n<h5>Money Smart Week South Africa.</h5>\r\n<img src=\"images/facebook cover.jpg\" width=\"100%\" /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\">\r\n<table border=\"0\" width=\"100%\" cellpadding=\"10\" align=\"center\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/videos/EditedbyP15.03 _08 March 2021_2.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/money_smart.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view the video</a></td>\r\n<td><a href=\"documents/videos/EditedbyP15.03 _08 March 2021_1.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/money_smart.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view the video</a></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/videos/EditedbyP15.03 _08 March 2021_3.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/money_smart.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view the video</a></td>\r\n<td><a href=\"documents/videos/EditedbyP15.03 _08 March 2021_4.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/money_smart.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view the video</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\" align=\"center\">\r\n<h3>Be Credit Smart</h3>\r\n</td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/Billboard3.png\" width=\"250\" /></td>\r\n<td><img src=\"images/Billboard2.png\" width=\"250\" /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/Billboard_be_credit_smart.jpg\" width=\"250\" /></td>\r\n<td><img src=\"images/Billboard_know_your_rights.jpg\" width=\"250\" /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><img src=\"images/Billboard_hard_times.jpg\" width=\"250\" /></td>\r\n<td> </td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td>\r\n<p><img src=\"images/campaign images/NCR1-960x300.png\" /> <br /><img src=\"images/campaign images/NCR2-960x300.png\" /><br /> <img src=\"images/campaign images/NCR3-960x300.png\" /></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><img src=\"images/campaign images/NCR4-960x300.png\" /><br /> <img src=\"images/campaign images/NCR5-960x300.png\" /></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<!--<hr />\r\n<table border=\"0\" width=\"100%\" cellspacing=\"10\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td><img src=\"images/Orange300x250.gif\" width=\"250\" /></td>\r\n<td><img src=\"images/Orange300x250_1.gif\" width=\"250\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />\r\n<p align=\"center\"><img src=\"images/NCR2.gif\" /></p>\r\n<p align=\"center\"><img src=\"images/Orange728x90.gif\" height=\"51\" /></p>--><hr />\r\n<table border=\"0\" width=\"100%\" cellspacing=\"10\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"4\" align=\"center\">\r\n<h5>Consumer Month Campaign </h5>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2010/2010_01_tips_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2010/5_tips2010_03_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2010/5_tips2010_04_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2010/5_tips2010_02_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"4\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td colspan=\"4\">\r\n<h5> </h5>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2009/A4-ads-1_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2009/A4-ads-2_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2009/A4-ads-3_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n<td><img src=\"images/campaign images/Consumer Month Camp - feb2009/A4-ads-4_thumb.jpg\" alt=\"\" width=\"120\" height=\"157\" /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<hr />','',1,20,'2019-09-04 14:50:40',915,'','2023-02-06 15:31:35',915,915,'2023-02-06 15:31:35','2019-09-04 14:50:40','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',103,1,'','',1,16557,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(72,206,'Disclaimer','disclaimer','<p><strong>Purpose</strong></p>\r\n<p>The purpose of this policy is to show our respect for your privacy It is indicative of our commitment to protect and safeguard customer information and communications from unauthorised intrusions. </p>\r\n<p><strong>Privacy policy for all visitors</strong></p>\r\n<p>When visiting our website, our system automatically collects and stores the following information:</p>\r\n<ul>\r\n<li>The internet protocol (IP) address</li>\r\n<li>The pages visited</li>\r\n<li>The operating system used</li>\r\n<li>The date, time and length of visit</li>\r\n<li>The type of browser used, such as Netscape or Internet Explorer</li>\r\n</ul>\r\n<p>This information does not identify visitors personally, and is used to create a website that is more suited to your browsing needs.</p>\r\n<p> <strong>How this information is used</strong></p>\r\n<p>This information is used to enable The NCR to:</p>\r\n<ul>\r\n<li>Provide for our subscribers\' preferences</li>\r\n<li>Improve current services provided by us.</li>\r\n</ul>\r\n<p><strong>Security used to protect Information</strong></p>\r\n<p>All information is stored in secure databases, and can only be accessed by entering the correct user name and password. Technology and security features have been implemented to safeguard the privacy of all subscribers from unauthorised access or improper use.</p>\r\n<p><strong>Access to the Information</strong></p>\r\n<p>Personally identifiable information will not be accessed, modified, shared, sold or otherwise disclosed except:</p>\r\n<ul>\r\n<li>When given permission by the subscriber to do so</li>\r\n<li>To enforce agreements with customers and visitors</li>\r\n<li>To protect the rights, property or safety of The NCR, its users or others</li>\r\n<li>When required to do so by law</li>\r\n</ul>\r\n<p><strong>Changes to the Privacy Policy</strong></p>\r\n<p>The NCR reserves the right to amend its privacy policy when the need to do so arises. Subscribers will be notified if any substantial changes are made.</p>\r\n<p><strong> Consumer Concerns</strong></p>\r\n<p>Any queries relating to this privacy policy can be e-mailed to the The NCR Customer Services Department at  info@ncr.org.za</p>','',1,36,'2020-02-24 09:25:48',915,'','2020-03-17 12:59:58',915,0,'0000-00-00 00:00:00','2020-02-24 09:25:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,0,'','',1,9298,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(73,210,'media Release','media-release','<table class=\"table table-bordered table-striped\" style=\"height: 107px;\" width=\"994\">\r\n<tbody>\r\n<tr class=\"success\">\r\n<td>January 2020</td>\r\n<td><a href=\"documents/Shoprite 2020.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Appeal court confirms Shoprite granted credit recklessly to consumers </a>  </td>\r\n</tr>\r\n<tr>\r\n<td>January 2020</td>\r\n<td><a href=\"documents/Asia Lamara.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">National Credit Regulator: Asia Lamara’s registration as a debt counsellor cancelled </a></td>\r\n</tr>\r\n<tr>\r\n<td>January 2020</td>\r\n<td> </td>\r\n</tr>\r\n<tr>\r\n<td>December 2019</td>\r\n<td>                                                              </td>\r\n</tr>\r\n</tbody>\r\n</table>','',-2,2,'2020-02-24 14:40:54',915,'','2020-02-24 14:40:54',0,0,'0000-00-00 00:00:00','2020-02-24 14:40:54','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,0,'','',1,116,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(74,212,'Webinars','webinars','<table border=\"0\" width=\"100%\" cellspacing=\"10\" cellpadding=\"10\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td><strong> NCR Educational webinar</strong></td>\r\n<td><strong>NCR Task team agreements</strong></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/webinars/NCR Webinars.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td><a href=\"documents/webinars/NCR Webinars WEB 2.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong> NCR DHS transfers webinars</strong></td>\r\n<td><strong>NCR DC Bonds</strong> </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/webinars/NCR WEBINAR WEB 3.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td><a href=\"documents/webinars/DC BONDS.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong>NCR DC Complaince</strong></td>\r\n<td><strong>DC Advertising practices</strong> </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/webinars/NCR Webinar - DC Complaince.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td><a href=\"documents/webinars/DC ADVERTISING PRACTICES.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong>NCR: Consumer Education Debt Counselling webinar</strong></td>\r\n<td> </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/Debt Counselling Consumer Education Webinar.mp4\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/webinars/ncr_web.png\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view webinar</a></td>\r\n<td> </td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,17,'2020-03-23 09:58:22',915,'','2022-08-26 13:51:42',915,915,'2023-11-21 15:42:24','2020-03-23 09:58:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',6,0,'','',1,15901,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(75,213,'Know your Consumer Rights and be protected','know-your-consumer-rights-and-be-protected','<p align=\"right\"><strong>March 2020</strong></p>\r\n<p>March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide. The National Credit Regulator (NCR) is one of the consumer protection agencies, which celebrates WCRD and has also adopted the month of March as a consumer rights month. During the month of March, the NCR, intensifies its educational initiatives to advocate key consumer rights and responsibilities and to encourage the credit industry players to comply with the National Credit Act (NCA), says Adv. Kedilatile Legodi, Acting Manager: Education and Communication.</p>\r\n<p>The NCR in collaboration with other members of the Consumer Protection Forum (CPF) (CPF is a government voluntary association of consumer protection bodies), will partake in the WCRD celebration on Friday, 13th March 2020 at the East London International Convention Centre in the Eastern Cape under the theme “Fighting Consumer Exploitation.”</p>\r\n<p>This main event will be preceded by a build-up of various events comprising multiple stakeholders. These events will include both compliance monitoring and consumer education and awareness interventions in the Amathole District. In addition to these, the NCR will participate in a number of provincial interactive programmes and undertake awareness programmes using various mediums.</p>\r\n<p>This year, the NCR continues to encourage consumers to know their credit rights to make informed credit decisions and speak up when there is a need to do so. Adv. Legodi believes that consumers can only exercise their rights and responsibilities if they are aware of such.</p>\r\n<p>The National Credit Act provides for key consumer rights as listed below:</p>\r\n<ul>\r\n<li>Right to apply for credit –This application must be made in good faith with truthful disclosure of all information by the consumer. If the application is declined by the credit provider, a consumer has a right to receive reasons why the credit application has been declined;</li>\r\n<li>Right to disclosure of information – A credit provider must provide a consumer with a pre-agreement statement and quotation before he/she can accept and sign the credit agreement;</li>\r\n<li>Right to receive documents in official language – A consumer has the right to receive any document that is required in terms of the NCA in an official language that the consumer reads or understands, to the extent that is reasonable, having regard to usage, practicality, expense, regional circumstances and the balance of the needs and preferences of the population ordinarily served by the person required to deliver that document;</li>\r\n<li>Right to receive information in plain and understandable language –A credit provider must give the consumer documents that are in plain, simple and understandable language. This means that the contents, meaning and importance of the document must be easy to understand;</li>\r\n<li>Right to confidential treatment of personal information – This means that the credit provider may only use your information for the purpose for which it was given;</li>\r\n<li>Right to access and challenge information held at the credit bureau – A Consumer has a right to receive one free credit report once a year from a credit bureau and to challenge any incorrect information;</li>\r\n<li>Right to get assistance when over-indebted – A consumer has a right to be assisted when struggling to pay debts.</li>\r\n</ul>\r\n<p>When a need to apply for credit arises, consumers are reminded to only use credit providers registered with the NCR and should never leave their bank cards, SASSA cards, identity documents and bank PIN numbers with credit providers. If consumers fall victim to such a practice, they should approach their local police station to open a case as this is a criminal offence in terms of the NCA. They should also report such cases to the NCR on 0860 627 627 or <a href=\"mailto:info@ncr.org.za\">info@ncr.org.za</a>, adds Legodi.</p>\r\n<p>As the NCR continues to raise awareness and educate consumers of their rights and responsibilities, consumers are encouraged to know these rights, use them and be protected, concludes Legodi.</p>\r\n<p align=\"center\"><strong>Ends</strong> </p>\r\n<hr />\r\n<p align=\"center\"><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Or</p>\r\n<p align=\"center\">Ntombizodwa Mahlangu<br /> (011)  554-2612<br /> E-mail: <a href=\"mailto:NMahlangu@ncr.org.za\">NMahlangu@ncr.org.za</a> <br /> Website: www.ncr.org.za</p>','',1,8,'2020-03-24 14:06:50',915,'','2020-03-24 14:06:50',0,0,'0000-00-00 00:00:00','2020-03-24 14:06:50','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,40,'','',1,3992,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(76,214,'Avoid panic buying as it may lead to over-indebtedness','avoid-panic-buying-as-it-may-lead-to-over-indebtedness','<p align=\"right\"><strong>March 2020</strong></p>\r\n<p>Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads. The National Credit Regulator (NCR) is encouraging consumers to exercise caution and restraint when spending in this difficult period, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p>Consumers are urged to make responsible financial decisions. Buying under panic and anxiety has the potential for consumers to buy things they do not need and cannot afford. For some consumers to acquire these items, they resort to using credit and this could be detrimental to their overall financial health. It is important for consumers to remember that credit comes at a cost and that the credit acquired has to be repaid, advises Motshegare.</p>\r\n<p>Ms Motshegare further advises consumers who may be feeling financially distressed due to the impact of this pandemic to be proactive in addressing their finances and debt. Consumers are advised not to ignore their debts, but to contact their credit providers. Consumers can approach a debt counsellor for further assistance if over-indebted.</p>\r\n<p>In light of the recent decrease of the interest rate, consumers should not increase their spending but rather use this opportunity to decrease their current debt and save for emergencies, concludes Motshegare.</p>\r\n<p align=\"center\"><strong>ENDS</strong> <br />                                                                                                                            </p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Or<br /> Ntombizodwa Mahlangu<br /> (011) 554-2624 / 064 752 3926<br /> E-mail: <a href=\"mailto:nmahlangu@ncr.org.za\">nmahlangu@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2020-03-24 14:13:36',915,'','2020-03-24 14:13:39',915,0,'0000-00-00 00:00:00','2020-03-24 14:13:36','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,39,'','',1,6404,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(77,215,'Registrations','registrations-department','<h5>Mandate of the Registrations Department</h5>\r\n<p>The Registrations Department is mandated to register credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.</p>\r\n<p><strong>Alternative Dispute Resolution Agent</strong></p>\r\n<ul>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\">Application forms</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\">How do I register?</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\">Voluntary cancellation of registration</a></li>\r\n</ul>\r\n<p><strong>Credit Bureau</strong></p>\r\n<ul>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\">Application forms</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\">How do I register?</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\">Voluntary cancellation of registration</a></li>\r\n</ul>\r\n<p><strong>Credit Provider </strong></p>\r\n<ul>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\">Application forms</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\">How do I register?</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\">Voluntary cancellation of registration</a></li>\r\n</ul>\r\n<p><strong>Debt Counsellor</strong></p>\r\n<ul>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\">Application forms</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\">How do I register?</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\">Voluntary cancellation of registration</a></li>\r\n</ul>\r\n<p><strong>Payment Distribution Agent</strong></p>\r\n<ul>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\">Application forms</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\">How do I register?</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\">Voluntary cancellation of registration</a></li>\r\n</ul>\r\n<p><strong>Reseller Credit Bureau</strong></p>\r\n<ul>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\">Application forms</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\">How do I register?</a></li>\r\n<li><a href=\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\">Voluntary cancellation of registration</a></li>\r\n</ul>','',1,13,'2020-07-14 10:16:49',915,'','2020-10-15 14:24:21',915,0,'0000-00-00 00:00:00','2020-07-14 10:16:49','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',19,0,'','',1,58325,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(78,216,'Education and Communication ','education-and-communication','<h5>Mandate of the Education and Communication Department</h5>\r\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR’s website and targeted awareness campaigns to mention a few.</p>\r\n<h5>Services offered</h5>\r\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR’s services for education purposes are free of charge for all consumers around the country.</p>\r\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre – 0860 627 627 or use the below contact details.</p>\r\n<h5>Requests for Educational Activities and Media Relations</h5>\r\n<p>Jimmy Golele: Senior Education &amp; Communication Officer – <a href=\"mailto:jgolele@ncr.org.za\">jgolele@ncr.org.za</a><br /> Workshops – <a href=\"mailto:workshops@ncr.org.za\">workshops@ncr.org.za</a><br /> Media – <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a><br /> Winnie Rabathata - <a href=\"mailto:wrabathata@ncr.org.za\">wrabathata@ncr.org.za</a></p>\r\n<h5>What is over-indebtedness?</h5>\r\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.</p>\r\n<h5>What are some of the indicators of over-indebtedness?</h5>\r\n<ul>\r\n<li>borrows money to pay other loans;</li>\r\n<li>skips payments on some accounts in order to pay others;</li>\r\n<li>receives letters of demand and/or summonses from creditors;</li>\r\n<li>is thinking of being placed under debt administration or debt counselling;</li>\r\n<li>has judgments passed against him/her;</li>\r\n<li>is always absent from work, especially towards month end;</li>\r\n<li>regularly feels emotionally stressed about money matters; and</li>\r\n<li>is regularly losing money to rip-offs and frauds.</li>\r\n</ul>\r\n<h5>What are the causes of over-indebtedness?</h5>\r\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:</p>\r\n<ul>\r\n<li>Indulgence – living in the first class lounge whilst you clearly cannot afford that lifestyle;</li>\r\n<li>Ignorance of financial products – An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.</li>\r\n<li>Lack of proper planning</li>\r\n<li>Social pressures – peer, family</li>\r\n<li>Change in circumstances – divorce, retrenchment, death, etc.</li>\r\n<li>Reckless lending</li>\r\n<li>Economic upswing – increasing interest rates</li>\r\n</ul>\r\n<h5>OVERCOMING OVER INDEBTEDNESS &amp; PERSONAL FINANCIAL MANAGEMENT</h5>\r\n<h5><em>TIP # 1 Don’t ignore your debts</em></h5>\r\n<ul>\r\n<li>Know how much is coming in, and how much is going out;</li>\r\n<li>List all the people you owe, including friends, family, neighbours etc;</li>\r\n<li>Get a copy of your credit bureau record – free of charge;</li>\r\n<li>Keep in touch with your bank statement – track all the deductions;</li>\r\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;</li>\r\n<li>Don’t be threatened or bullied into promising to pay what you don’t have; and</li>\r\n<li>Review your budget regularly.</li>\r\n</ul>\r\n<h5><em>TIP # 2 Prioritise your debts</em></h5>\r\n<ul>\r\n<li>Pay your essential expenses first – electricity, rent, insurance;</li>\r\n<li>Then pay your day-to-day expenses like transport and food;</li>\r\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;</li>\r\n<li>Seek expert advice before selling / cancelling anything;</li>\r\n<li>Don’t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums</li>\r\n</ul>\r\n<h5><em>TIP # 3 Don’t borrow to pay off debts</em></h5>\r\n<ul>\r\n<li>Credit creates more debt, don’t borrow more to pay existing debts;</li>\r\n<li>Don’t buy food on credit;</li>\r\n<li>If you get retrenched, use the retrenchment package to pay off debt;</li>\r\n<li>Be very cautious when considering to take a consolidation loan</li>\r\n</ul>\r\n<h5><em>TIP # 4 Cut down on your expenses</em></h5>\r\n<ul>\r\n<li>Cut down on luxury items – entertainment; TV subscriptions, holidays etc;</li>\r\n<li>Make a list of “wants” and “needs” and focus on needs;</li>\r\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;</li>\r\n<li>Consider early settlement so that you can save on interest and other cost; and</li>\r\n<li>Review your insurance policies from time to time – use an independent financial advisor.</li>\r\n</ul>\r\n<h5><em>TIP # 5 Don’t wait until goods are repossessed</em></h5>\r\n<h5><em>TIP # 6 Start saving</em></h5>\r\n<ul>\r\n<li>Put aside some money for unforeseen circumstances;</li>\r\n<li>Be consistent, save every month – no matter how small the amount is.</li>\r\n</ul>\r\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\">click here for more information</a>)</em></h5>\r\n<h5>ABOUT CREDIT INFORMATION</h5>\r\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.</p>\r\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.</p>\r\n<h5>HOW TO ACCESS YOUR CREDIT REPORT</h5>\r\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.</p>\r\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.</p>\r\n<!--<table class=\"table table-bordered table-striped\" border=\"0\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td>CompuScan</td>\r\n<td>0861 514 131</td>\r\n<td><a href=\"www.compuscan.co.za\">www.compuscan.co.za</a></td>\r\n<td><a href=\"info@compuscan.co.za\">info@compuscan.co.za</a></td>\r\n</tr>\r\n<tr>\r\n<td>Experian</td>\r\n<td>0861 105 665</td>\r\n<td><a href=\"www.experian.co.za\">www.experian.co.za</a></td>\r\n<td><a href=\"mailto:consumer@creditexpert.co.za\">consumer@creditexpert.co.za </a></td>\r\n</tr>\r\n<tr>\r\n<td>TransUnion</td>\r\n<td>0861 886 466</td>\r\n<td><a href=\"www.transunion.co.za\">www.transunion.co.za</a></td>\r\n<td><a href=\"mailto:webadmin@transunion.co.za\">webadmin@transunion.co.za</a></td>\r\n</tr>\r\n<tr>\r\n<td>XDS</td>\r\n<td>0860 937 000</td>\r\n<td><a href=\"www.xds.co.za\">www.xds.co.za</a></td>\r\n<td><a href=\"mailto:info@xds.co.za\">info@xds.co.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p></p>-->\r\n<table class=\"table table-bordered table-striped\" border=\"0\" cellspacing=\"5\" cellpadding=\"5\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><strong>CompuScan </strong></p>\r\n</td>\r\n<td>\r\n<p>0861514131</p>\r\n</td>\r\n<td>\r\n<p><a href=\"http://www.compuscan.co.za/\">www.compuscan.co.za</a></p>\r\n</td>\r\n<td>\r\n<p><a href=\"mailto:info@compuscan.co.za\">info@compuscan.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p><strong>Experian</strong></p>\r\n</td>\r\n<td>\r\n<p>0861105665 </p>\r\n</td>\r\n<td>\r\n<p><a href=\"http://www.experian.co.za/\">www.experian.co.za</a></p>\r\n</td>\r\n<td>\r\n<p><a href=\"mailto:consumer@creditexpert.co.za\">consumer@creditexpert.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p><strong>TransUnion </strong></p>\r\n</td>\r\n<td>\r\n<p>0861886466</p>\r\n</td>\r\n<td>\r\n<p><a href=\"http://www.transunion.co.za/\">www.transunion.co.za</a></p>\r\n</td>\r\n<td>\r\n<p><a href=\"mailto:webadmin@transunion.co.za\">webadmin@transunion.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p><strong>XDS</strong></p>\r\n</td>\r\n<td>\r\n<p>0860937000</p>\r\n</td>\r\n<td>\r\n<p><a href=\"http://www.xds.co.za/\">www.xds.co.za</a></p>\r\n</td>\r\n<td>\r\n<p><a href=\"mailto:info@xds.co.za\">info@xds.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p><strong>Consumer Profile Bureau </strong></p>\r\n</td>\r\n<td>\r\n<p>0105909505</p>\r\n</td>\r\n<td>\r\n<p><a href=\"http://www.consumerprofilebureau.com\">www.consumerprofilebureau.com</a></p>\r\n</td>\r\n<td>\r\n<p><a href=\"mailto:support@cpbonline.co.za\">support@cpbonline.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p><strong>VeriCred Credit Bureau</strong></p>\r\n</td>\r\n<td>\r\n<p>0871503602</p>\r\n</td>\r\n<td>\r\n<p><a href=\"http://www.vccb.co.za\">www.vccb.co.za</a></p>\r\n</td>\r\n<td> </td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p><strong>Credit Ombud</strong></p>\r\n</td>\r\n<td>\r\n<p>0861 662837</p>\r\n</td>\r\n<td>\r\n<p><a href=\"http://www.creditombud.org.za\">www.creditombud.org.za</a></p>\r\n</td>\r\n<td>\r\n<p><a href=\"mailto:ombud@creditombud.org.za\">ombud@creditombud.org.za</a></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.</p>\r\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.</p>\r\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud’s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.</p>\r\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?</h5>\r\n<p>Below is a table on retention periods:</p>\r\n<table class=\"table table-bordered table-striped\" border=\"0\" cellspacing=\"0\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p> </p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><strong>Category</strong></p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><strong>Description</strong></p>\r\n</td>\r\n<td>\r\n<p align=\"center\"><strong>Time kept</strong></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>1</p>\r\n</td>\r\n<td>\r\n<p><strong>Details and results of complaints lodged by consumers</strong></p>\r\n</td>\r\n<td>\r\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld</p>\r\n</td>\r\n<td>\r\n<p>6 months</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>2</p>\r\n</td>\r\n<td>\r\n<p><strong>Enquiries</strong></p>\r\n</td>\r\n<td>\r\n<p>Number of enquiries made on a consumer’s record, including the name of the entity / person who made the enquiry and a contact person if available</p>\r\n</td>\r\n<td>\r\n<p>1 year</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>3</p>\r\n</td>\r\n<td>\r\n<p><strong>Payment profile</strong></p>\r\n</td>\r\n<td>\r\n<p>Factual information pertaining to the payment profile of the consumer</p>\r\n</td>\r\n<td>\r\n<p>5 years</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>4</p>\r\n</td>\r\n<td>\r\n<p><strong>Adverse classifications of consumer behaviour</strong></p>\r\n</td>\r\n<td>\r\n<p>Subjective classifications of consumer behaviour </p>\r\n</td>\r\n<td>\r\n<p>1 year or within the period prescribed in section 71A.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>5</p>\r\n</td>\r\n<td>\r\n<p><strong>Adverse classifications of enforcement action</strong></p>\r\n</td>\r\n<td>\r\n<p>Classification related to enforcement action taken by the credit provider</p>\r\n</td>\r\n<td>\r\n<p>1 year or within the period prescribed in section 71A.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>6</p>\r\n</td>\r\n<td>\r\n<p><strong>Debt restructuring </strong></p>\r\n</td>\r\n<td>\r\n<p>As per section 86 of the Act,<br /> an order given by the Court<br /> or Tribunal</p>\r\n</td>\r\n<td>\r\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>7</p>\r\n</td>\r\n<td>\r\n<p><strong>Civil court Judgments</strong></p>\r\n</td>\r\n<td>\r\n<p>Civil court Judgments including default court judgment</p>\r\n</td>\r\n<td>\r\n<p>The earlier of 5 years or<br /> until the judgment is<br /> rescinded by a court or<br /> abandoned by the credit<br /> provider in terms of section<br /> 86 of the Magistrates Courts<br /> Act 32 of 1944 or within the<br /> period prescribed in section<br /> 71A of the Act</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>8</p>\r\n</td>\r\n<td>\r\n<p><strong>Maintenance judgments</strong><br /> <strong>in terms of the Maintenance</strong><br /> <strong>Act 99 of 1998</strong></p>\r\n</td>\r\n<td>\r\n<p>As per court judgment</p>\r\n</td>\r\n<td>\r\n<p>until the judgment is<br /> rescinded by a court</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>8</p>\r\n</td>\r\n<td>\r\n<p><strong>Administration Orders</strong></p>\r\n</td>\r\n<td>\r\n<p>As per the court order</p>\r\n</td>\r\n<td>\r\n<p>5 years or until order is<br /> rescinded by court</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>9</p>\r\n</td>\r\n<td>\r\n<p><strong>Sequestrations</strong></p>\r\n</td>\r\n<td>\r\n<p>As per the court order</p>\r\n</td>\r\n<td>\r\n<p>5years or until rehabilitation<br /> order is granted</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>10</p>\r\n</td>\r\n<td>\r\n<p><strong>Liquidations</strong></p>\r\n</td>\r\n<td>\r\n<p>As per the court order</p>\r\n</td>\r\n<td>\r\n<p>Unlimited periods</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<p>11</p>\r\n</td>\r\n<td>\r\n<p><strong>Rehabilitation</strong></p>\r\n</td>\r\n<td>\r\n<p>As per the court order</p>\r\n</td>\r\n<td>\r\n<p>5 years</p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<h5><br />THE RIGHT TO APPLY FOR CREDIT</h5>\r\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.</p>\r\n<h5>THE RIGHT TO DISCLOSURE</h5>\r\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.</p>\r\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE</h5>\r\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.</p>\r\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE</h5>\r\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement</strong>.</p>\r\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT</h5>\r\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.</p>\r\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU</h5>\r\n<p>You have the right:</p>\r\n<ol>\r\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.</li>\r\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee  of R20 excluding Vat for any further records;</li>\r\n<li>To challenge information kept by credit bureau if you are unhappy with the information;</li>\r\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.</li>\r\n</ol>\r\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED</h5>\r\n<p>If you experience problems with servicing your debts take the following steps:</p>\r\n<ol>\r\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;</li>\r\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;</li>\r\n</ol>\r\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.</p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\">Click here to view consumer Tips</a></p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=71&amp;catid=20\">Click here for Campaigns</a></p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=33&amp;catid=20\">Click here for Brochures</a></p>','',1,15,'2020-07-14 15:37:40',915,'','2021-01-27 12:43:29',915,0,'0000-00-00 00:00:00','2020-07-14 15:37:40','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',39,0,'','',1,13650,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(79,217,'Be careful of “fake” credit provider scams during the covid-19 pandemic','be-careful-of-fake-credit-provider-scams-during-the-covid-19-pandemic','<p style=\"font-weight: 400; text-align: right;\"><b><strong>April 2020</strong></b></p>\r\n<p style=\"font-weight: 400;\">The National Credit Regulator (NCR) is warning consumers to be careful of scammers who act as legitimate credit providers preying on vulnerable consumers during this period of COVID-19 pandemic. The impact of this pandemic has unfortunately left many consumers desperate for money and some having to resort to borrowing. On the other hand, criminals have seen the opportunity to exploit the desperate and vulnerable by posing as legitimate registered credit providers and offering loans with a condition of an “upfront payment”, says Nomsa Motshegare, CEO of the NCR.</p>\r\n<p style=\"font-weight: 400;\">“The NCR has during this period, been receiving queries from consumers about unregistered companies posing as registered credit providers offering them loans via SMS and email”, says Motshegare. These scammers use the registration details of lawfully registered credit providers, inform consumers that the loan is approved and before the loan is paid out, they demand an “upfront payment” from the consumers. Once consumers pay this upfront payment, the scammers will disappear with no trace and no loan will be paid out to the consumer.</p>\r\n<p style=\"font-weight: 400;\">According to the National Credit Act (NCA), an “upfront payment” for a loan is unlawful and not allowed, consumers are warned not to fall for this scam and never pay any upfront fee for a loan. Those who have fallen victim to this scam and have paid upfront fees should open criminal cases at their nearest South African Police Service (SAPS), advises Motshegare.</p>\r\n<p style=\"font-weight: 400;\">Everyone giving out credit, must be registered with the NCR and apply the rules in the NCA. All registered credit providers’ details are listed on the NCR’s website (<a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a>) and consumers are encouraged to check before doing business with anyone offering credit, concludes Motshegare.</p>\r\n<p style=\"font-weight: 400;\"><strong>Ends</strong></p>\r\n<p style=\"font-weight: 400;\"><strong>About The National Credit Regulator</strong></p>\r\n<p style=\"font-weight: 400;\">The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p style=\"font-weight: 400;\"> </p>\r\n<p style=\"font-weight: 400; text-align: center;\"><strong>For more information contact:</strong> </p>\r\n<p style=\"font-weight: 400; text-align: center;\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> </p>\r\n<p style=\"font-weight: 400; text-align: center;\">Or </p>\r\n<p style=\"font-weight: 400; text-align: center;\">Ntombizodwa Mahlangu</p>\r\n<p style=\"font-weight: 400; text-align: center;\">Cell: 064 752 3926</p>\r\n<p style=\"font-weight: 400; text-align: center;\">E-mail: <a href=\"mailto:NMahlangu@ncr.org.za\">NMahlangu@ncr.org.za</a></p>\r\n<p style=\"font-weight: 400; text-align: center;\">Website: <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a></p>','',1,8,'2020-07-16 09:49:48',915,'','2020-07-16 09:49:48',0,0,'0000-00-00 00:00:00','2020-07-16 09:49:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,38,'','',1,6471,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(80,218,'Consumers advised to use their credit life insurance for relief','consumers-advised-to-use-their-credit-life-insurance-for-relief','<p style=\"font-weight: 400; text-align: right;\"><b><strong>April 2020</strong></b></p>\r\n<p style=\"font-weight: 400;\">As South Africa is battling with the impact of COVID-19 on the economy, many consumers have been left with the inability to earn an income. Some are unemployed whilst others are receiving less income due to reduced working hours. Some credit providers have pronounced interim debt relief measures for consumers who have been hard hit by this pandemic. The National Credit Regulator (NCR) advises consumers that where applicable, they first consider the option of using their credit life insurance benefit as a relief in this difficult period, says Nomsa Motshegare, Chief Executive Officer of the NCR.</p>\r\n<p style=\"font-weight: 400;\">A credit life insurance is an insurance that a consumer signs up for when applying for credit or a loan and it covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. Motshegare advises that, in the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle/pay the consumer’s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter.</p>\r\n<p style=\"font-weight: 400;\"> Many consumers may not be aware that they have credit life insurance in place and that the premium for this insurance is already included in the cost of credit. To check if this insurance is in place, consumers must contact their credit providers and where applicable consider use of this benefit to provide relief, concludes Motshegare.<strong> </strong></p>\r\n<p style=\"font-weight: 400; text-align: center;\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p style=\"font-weight: 400;\"><strong>About The National Credit Regulator</strong></p>\r\n<p style=\"font-weight: 400;\">The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p style=\"font-weight: 400;\"> </p>\r\n<p style=\"font-weight: 400; text-align: center;\"><strong>For more information contact:</strong></p>\r\n<p style=\"font-weight: 400; text-align: center;\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p style=\"font-weight: 400; text-align: center;\">Or</p>\r\n<p style=\"font-weight: 400; text-align: center;\">Ntombizodwa Mahlangu</p>\r\n<p style=\"font-weight: 400; text-align: center;\">(011) 554-2624 / 064 752 3926</p>\r\n<p style=\"font-weight: 400; text-align: center;\">E-mail: <a href=\"mailto:nmahlangu@ncr.org.za\">nmahlangu@ncr.org.za</a></p>\r\n<p style=\"font-weight: 400; text-align: center;\">Website: <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a></p>','',1,8,'2020-07-16 09:51:18',915,'','2020-07-16 09:51:18',0,0,'0000-00-00 00:00:00','2020-07-16 09:51:18','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,37,'','',1,8564,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(81,219,'Managing debt during COVID-19 times','managing-debt-during-covid-19-times','<p style=\"font-weight: 400; text-align: right;\"><strong>July 2020</strong></p>\r\n<p style=\"font-weight: 400;\">As South Africa is battling with the rapid spread of CODIV-19 and how to stimulate economic activities, many consumers are in financial distress and struggling to repay debts as a result of reduced and complete loss of income. The National Credit Act (NCA) offers various debt relief measures for financially embattled consumers struggling to repay debts and consumers are encouraged to consider these measures where applicable, advises Adv. Kedilatile Legodi, Acting Manager: Education and Communication at the National Credit Regulator (NCR). </p>\r\n<p style=\"font-weight: 400;\"><strong>Below are the various NCA debt relief measures to consider:</strong></p>\r\n<p style=\"font-weight: 400;\"><strong>Credit Life Insurance</strong></p>\r\n<p style=\"font-weight: 400;\">Credit life insurance is an insurance that a consumer purchases when applying for credit or loan. It covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. In the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle / pay the consumer’s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers who would like to use this relief measure but battling to get assistance from their credit providers can send a complaint to the National Credit Regulator. However, it is important for consumers to remember that in order to benefit from credit life insurance, all payments regarding the credit life insurance policy must be up to date.</p>\r\n<p style=\"font-weight: 400;\"> <strong>Debt Counselling / Review</strong></p>\r\n<p style=\"font-weight: 400;\">Debt counselling is a debt relief measure intended to assist over-indebted consumers struggling with debt, through budget advice, negotiation with credit providers for reduced payments, extension of repayment term and restructuring of debt. Debt counselling also offers consumers protection against repossession or legal action by credit providers. Consumers who have been negatively impacted by the effects of the COVID-19 pandemic resulting in reduced income are encouraged to consider this debt relief measure since an income is required to apply for debt counselling. However, before signing up for debt counselling, consumers must ensure that the process is understood in detail and the implications thereof. Debt counselling is offered by the NCR registered debt counsellors who operate nationwide. A list of registered debt counsellors can be found on the NCR website <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a> or by contacting the NCR on 0860 627 627.</p>\r\n<p style=\"font-weight: 400;\"><strong>Surrender of goods</strong></p>\r\n<p style=\"font-weight: 400;\">The NCA allows consumers to voluntarily surrender / return goods to credit providers when they can no longer afford to maintain the repayments or can foresee that they will not be able to maintain future payments. In terms of section 127 of the NCA, credit agreements under which goods can be surrendered are instalment agreements, secured loans or leases.</p>\r\n<p style=\"font-weight: 400;\">Legodi says that there is a process to be followed, which consumers are encouraged to understand before they give notice to a credit provider to return the goods. The credit provider is required to provide the consumer with a letter setting out the estimated value of the goods, ten (10) business days after the consumer gave notice to surrender or return the goods, whichever is the latest. The consumer may withdraw the notice to surrender within 10 business days after receiving the estimated value letter, if the account is not in arrears. The credit provider will sell the returned goods in an attempt to settle the debt. However, there is no guarantee that the credit provider will sell the goods for what the consumer still owes. If the proceeds from the sale are insufficient to settle the outstanding debt, the consumer will be liable to pay the shortfall after the sale. Consumers are also encouraged to privately sell goods that they can no longer afford to repay in an attempt to obtain the best possible price, advises Legodi.</p>\r\n<p style=\"font-weight: 400;\">For consumers with a need to borrow or loan money, they should do so having considered their ability to repay the debt and only use NCR registered credit providers. Consumers should never enter into any agreement with unregistered credit providers who usually retain bank cards, SASSA cards, identity documents etc. as security and a collection method. The retention of cards or identity documents is prohibited and a criminal offence in terms of the NCA. Consumers are urged to report credit providers who retain these instruments to the South African Police Service and the NCR, concludes Legodi.</p>\r\n<p style=\"font-weight: 400; text-align: center;\"><strong>Ends</strong><strong> </strong></p>\r\n<hr />\r\n<p style=\"font-weight: 400;\"> <strong>About The National Credit Regulator</strong></p>\r\n<p style=\"font-weight: 400;\">The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p style=\"font-weight: 400; text-align: center;\"><strong>For more information contact:</strong> </p>\r\n<p style=\"font-weight: 400; text-align: center;\">Ntombizodwa Mahlangu</p>\r\n<p style=\"font-weight: 400; text-align: center;\">E-mail: <a href=\"mailto:NMahlangu@ncr.org.za\">NMahlangu@ncr.org.za</a></p>\r\n<p style=\"font-weight: 400; text-align: center;\">Cell: 064 752 3926</p>\r\n<p style=\"font-weight: 400; text-align: center;\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p style=\"font-weight: 400; text-align: center;\">Website: <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a></p>','',1,8,'2020-07-16 09:53:06',915,'','2021-02-10 09:32:11',915,0,'0000-00-00 00:00:00','2020-07-16 09:53:06','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,36,'','',1,8288,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(82,220,'Who needs to register? ','who-needs-to-register-cp','<p style=\"font-weight: bold;\">Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:</p>\r\n<ul>\r\n<li>A person must apply for registration as a credit provider if that person is-\r\n<ul>\r\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;</li>\r\n<li>The party who advances money or credit under a pawn transaction;</li>\r\n<li>The party who extends credit under a credit facility;</li>\r\n<li>The mortgagee under a mortgage agreement;</li>\r\n<li>The lender under a secured loan;</li>\r\n<li>The lessor under a lease;</li>\r\n<li>The party to whom an assurance or promise is made under a credit guarantee;</li>\r\n<li>The party who advances money or credit to another under any other credit agreement; or</li>\r\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.</li>\r\n</ul>\r\n</li>\r\n</ul>\r\n<ul>\r\n<li>A juristic person or a natural person may apply for registration as a credit provider.</li>\r\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.</li>\r\n</ul>\r\n<p style=\"font-weight: bold;\">Although basic registration of credit providers is under this Act -</p>\r\n<ul>\r\n<li>The Regulator may impose conditions to address matters relating to the purpose of the Act generally;</li>\r\n<li>The Regulator will further consider the application relating to BBBEE and combating over-indebtedness concerns specifically; and</li>\r\n<li>A credit provider who intends to enter into developmental credit agreements must apply for supplementary registration, and satisfy the requirements for such registration.</li>\r\n</ul>\r\n<ul>\r\n<li>For further information, refer to the <a href=\"../documents/pages/registration&amp;compliance/credit_providers/Registration_section_39-53.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">relevant sections of the Act</a></li>\r\n</ul>','',1,27,'2020-09-11 18:04:23',915,'','2020-09-11 18:11:28',915,0,'0000-00-00 00:00:00','2020-09-11 18:04:23','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,1,'','',1,809,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(83,221,'Who needs to register? ','who-needs-to-register-dc','<p style=\"line-height: 15.8079996109009px;\"> The Act makes provision for the registration of debt counsellors which have complied with all the provisions of The Act and satisfied the training requirements of the NCR.</p>\r\n<p style=\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><br /> Debt cousellors will conduct independent enquiries into consumers’ financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements. <br /><br /> <span style=\"font-weight: bold; font-size: 9.0pt;\">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the <span style=\"color: #f00;\">National Credit Amendment Act, 19 of 2014</span>:</span> <br /> </span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Applicant must<span style=\"mso-spacerun: yes;\">  </span>be 18 years or older</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i)  </span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">3.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must successfully complete a debt counselling course approved by the National Credit Regulator and provided by an institution approved by the National Credit Regulator;<span style=\"mso-spacerun: yes;\">  </span>be 18 years or older</span></p>\r\n<p style=\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\"><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\">University of Pretoria (Law Clinic) - 012 420 5235</span></p>\r\n<p style=\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\"><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\">Damelin - 011 796 2000</span></p>\r\n<p style=\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\"><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\">Rudo Research   Training - 012 663 3251/3120</span></p>\r\n<p style=\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\"><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\">Summit Financial Partners - 087 806 1000</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;\"><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\">Compuscan Academy - 021 888 6000</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">4.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must have a minimum of two years working experience in any of the following fields;</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Consumer Protection</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Complaints Resolution</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Consumer Advisory Services</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Legal or Paralegal Services</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Accounting or financial services</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Education or training of Individuals</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Counselling of Individuals</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">General Business Environment</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">5.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate‘s court Act 32 of 1944</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">6.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">7.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must not be engaged in, employed by or acting as an agent for a person that is engaged in –</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Debt collection</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">The operation of a credit bureau</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Credit provision</span></p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">8.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">The person must demonstrate ability to manage his / her own finances at the time of applying for registration as well as providing counselling or transfer of skills</span></p>\r\n<!--<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;</p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;</p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;</p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;</p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;</p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;</p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;</p>\r\n<p style=\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Debt cousellors will conduct independent enquiries into consumers’ financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements. </span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\"><b><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the </span></b><b><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-bidi-font-family: Helvetica; color: red; mso-ansi-language: EN-GB;\">National Credit Amendment Act, 19 of 2014</span></b><b><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB;\">:</span></b></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Applicant must<span style=\"mso-spacerun: yes;\">  </span>be 18 years or older</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must have  a grade 12 certificate  or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i) </span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">3.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must successfully complete a debt counselling course  approved by the National Credit Regulator  and provided  by an institution approved  by the National Credit Regulator;</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\"><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\">University of Pretoria     012 420 5015</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\"><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\">Damelin  <span style=\"mso-tab-count: 2;\">                </span>      011 242 3400</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\"><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\">RUDO                     <span style=\"mso-spacerun: yes;\">   </span>     012 663 3251</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\"><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\">Compuscan Academy <span style=\"mso-spacerun: yes;\"> </span>   021 888 6048</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;\"><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span style=\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\">Institute of Bankers        011 461 7013</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">4.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must have  a minimum of two years working experience in any of the following  fields;</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Consumer Protection</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Complaints Resolution</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Consumer Advisory Services</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Legal or Paralegal Services</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Accounting or financial services</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Education or training of Individuals</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Counselling of Individuals</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">General Business Environment</span></p>\r\n\r\n\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">5.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate‘s court Act 32 of 1944</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">6.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">7.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Must not be engaged in, employed by or acting as an agent for a person that is engaged in –</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Debt collection</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">The operation of a credit bureau</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">o<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">Credit provision</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">8.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">The person must demonstrate ability to manage his / her own finances at the time of applying for registration as well as providing counselling or transfer of skills</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\"><b><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">The applicant’s credit bureau profile should not reflect significant adverse information. The Following is considered as significant adverse information:</span></b></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">1.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">The applicant‘s credit bureau record reflecting Judgments exceeding R20, 000.00</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">2.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">The applicant has 2 or more Judgments in the last 24 months</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">3.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">The applicant has been placed under Administration and or debt review</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">4.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">The majority of the applicant’s credit accounts are more than 3 months in arrears</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\"><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\"><span style=\"mso-list: Ignore;\">5.<span style=\"font: 7.0pt \'Times New Roman\';\">    </span></span></span><span lang=\"EN-GB\" style=\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\">The applicant has 3 or more defaults</span></p>\r\n<p style=\"line-height: 15.8079996109009px;\"> </p>\r\n<p style=\"margin: 0cm 0cm 7.5pt; line-height: 31.5pt;\"> </p>-->\r\n<p> </p>','',1,26,'2020-09-11 18:16:05',915,'','2020-09-11 18:16:18',915,0,'0000-00-00 00:00:00','2020-09-11 18:16:05','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,1,'','',1,772,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(84,222,'Who needs to register? ','who-needs-to-register-adr','<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the National Credit Amendment Act, 19 of 2014:</strong></p>\r\n<ol type=\"1\">\r\n<li>An application for registration as an alternative dispute resolution agent must contain:-\r\n<ol type=\"i\">\r\n<li>an overview of an applicant’s capabilities and background in providing alternative dispute resolution services including a description of the applicant’s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;</li>\r\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;</li>\r\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;</li>\r\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;</li>\r\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;</li>\r\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;</li>\r\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.</li>\r\n</ol>\r\n</li>\r\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-&gt;\r\n<ol type=\"i\">\r\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;</li>\r\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;</li>\r\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;</li>\r\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;</li>\r\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;</li>\r\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;</li>\r\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;</li>\r\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;</li>\r\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.</li>\r\n</ol>\r\n</li>\r\n<li><strong>Education:</strong> The applicant or a person appointed to deal with disputes must meet the following requirements -\r\n<ol type=\"i\">\r\n<li>(three) year post matric qualification; and</li>\r\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\r\n<ol type=\"i\">\r\n<li>Alternative dispute resolution;</li>\r\n<li>Financial management;</li>\r\n<li>Business management;</li>\r\n<li>Governance &amp; compliance;</li>\r\n<li>Customer service.</li>\r\n</ol>\r\n</li>\r\n</ol>\r\n</li>\r\n<li><strong>Experience and Competence: </strong>\r\n<ol type=\"i\">\r\n<li>The nominated personnel and adjudicators must be experts in the following areas:\r\n<ol type=\"i\">\r\n<li>Consumer law;</li>\r\n<li>Credit law;</li>\r\n<li>Commercial law;</li>\r\n<li>Cultural rights;</li>\r\n<li>Religious rights; and</li>\r\n<li>Personal rights.</li>\r\n</ol>\r\n</li>\r\n<li>Must demonstrate the ability to:-\r\n<ol type=\"i\">\r\n<li>manage their own finances at the time of applying for registration;</li>\r\n<li>provide mediation, conciliation or arbitration skills.</li>\r\n</ol>\r\n</li>\r\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:–\r\n<ol type=\"i\">]\r\n<li>debt collection;</li>\r\n<li>the operation of a credit bureau;</li>\r\n<li>credit provision; or</li>\r\n<li>the operations of a payment distribution agent</li>\r\n</ol>\r\n</li>\r\n</ol>\r\n</li>\r\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.</strong></li>\r\n</ol>','',1,24,'2020-09-11 18:19:39',915,'','2020-09-11 18:19:48',915,0,'0000-00-00 00:00:00','2020-09-11 18:19:39','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,1,'','',1,773,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(85,223,'Who needs to register? ','who-needs-to-register-pda','<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the National Credit Amendment Act, 19 of 2014:</strong></p>\r\n<p>(1) A natural person may not be registered as a payment distribution agent (“PDA”).</p>\r\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (“the Act”) must meet the following requirements in terms of Regulation 10A.</p>\r\n<p>(a) <strong>Education</strong></p>\r\n<p>(i) maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;</p>\r\n<p>(ii) completion of a payment distribution training programme approved by the National Credit Regulator (“NCR”) and provided by an accredited training institution;</p>\r\n<p>(iii) the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.</p>\r\n<p><strong>(b) Experience</strong></p>\r\n<p>The PDA must have an executive director:-</p>\r\n<p>(i) responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;</p>\r\n<p>(ii) who is a person with good record of managing the finances of the company.</p>\r\n<p><strong>(c) Competence</strong></p>\r\n<p>A person applying to be registered as a PDA must:-</p>\r\n<p>(i) have sufficient human, financial, and operational resources to carry out the functions of PDA efficiently and effectively;</p>\r\n<p>(ii) put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;</p>\r\n<p>(iii) comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;</p>\r\n<p>(iv) be registered with the South African Revenue Services and have a valid tax clearance certificate;</p>\r\n<p>(v) be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);</p>\r\n<p>(vi) have a board of directors/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;</p>\r\n<p>(vii) have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.</p>\r\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.</p>\r\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.</p>\r\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.</p>','',1,25,'2020-09-11 18:22:28',915,'','2020-09-11 18:22:36',915,0,'0000-00-00 00:00:00','2020-09-11 18:22:28','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,1,'','',1,779,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(86,224,'Who needs to register? ','who-needs-to-register-cb','<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.</p>\r\n<ul>\r\n<li>For further information, refer to the relevant sections of the Act;</li>\r\n<li>For further information, refer to the relevant sections of the Regulations.</li>\r\n</ul>\r\n<p>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:</p>\r\n<ol type=\"1\">\r\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\r\n<ol type=\"i\">\r\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;</li>\r\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;</li>\r\n<li>Has adopted procedures to ensure that questions, concerns and complaints of consumers or credit providers are treated equitably and consistently in a timely, efficient and courteous manner, or presents to the NCR a credible plan to acquire or develop those procedures and;</li>\r\n<li>Is registered with the South African Revenue Services</li>\r\n</ol>\r\n</li>\r\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is\r\n<ol type=\"i\">\r\n<li>a credit provider;</li>\r\n<li>a debt collection agency; or</li>\r\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).</li>\r\n</ol>\r\n</li>\r\n<li>A natural person may not be registered as a credit bureau.</li>\r\n</ol>','',1,28,'2020-09-11 18:26:48',915,'','2020-09-11 18:26:54',915,0,'0000-00-00 00:00:00','2020-09-11 18:26:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,1,'','',1,907,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(87,225,'Media statement - Regulatory proposals on payroll deductions','media-statement-regulatory-proposals-on-payroll-deductions','<p>The South African Payroll Association (SAPA) is conducting a survey on behalf of the National Treasury, South African Reserve Bank, Financial Sector Conduct Authority, National Credit Regulator, Department of Public Service and Administration, Department of Trade, Industry and Competition, and the Department of Employment and Labour to obtain insights into South Africa’s payroll deductions landscape. The survey results will assist to accelerate the process of finalising an informed, robust and comprehensive regulatory position on payroll deductions in South Africa.</p>\r\n<p>This follows the publishing of a paper in March 2018 titled ‘Joint Consultation Paper: Regulatory proposals on payroll deductions’ and subsequent consultation process. The regulatory proposals explored in the consultation paper seek to achieve a safe and efficient payroll deduction system that works in the interests of employees.</p>\r\n<p>To participate in the survey, please use the following link: <a href=\"https://www.tfaforms.com/4728106\">https://www.tfaforms.com/4728106</a></p>\r\n<p> An explanatory note regarding the survey can be found here:</p>\r\n<p><a href=\"https://protect-za.mimecast.com/s/ZCeVCY6xlmH3XpyoT06dTE?domain=sapayroll.co.za\">http://www.sapayroll.co.za/Portals/2/Documents/Payroll-Survey-Explanatory-Note2020.pdf</a></p>\r\n<p><strong>Issued by: National Treasury, South African Reserve Bank, Financial Sector Conduct Authority,</strong> <strong>National Credit Regulator, Department of Public Service and Administration, Department of Trade, Industry and Competition, and the Department of Employment and Labour</strong></p>\r\n<p><strong> </strong><strong>Date:      </strong>18 August 2020<strong>    </strong></p>','',0,8,'2020-08-18 13:50:05',915,'','2020-09-12 13:51:28',915,0,'0000-00-00 00:00:00','2020-08-18 13:50:05','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,35,'','',1,160,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(88,226,'Debt counselling provides hope for those in need','debt-counselling-provides-hope-for-those-in-need','<p align=\"right\"><strong>August 2020</strong></p>\r\n<p>Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).</p>\r\n<p>In 2007, debt counselling was introduced in the National Credit Act (NCA) as a debt relief measure intended to assist over-indebted consumers struggling to repay their debts through the restructuring of their debts and making repayments manageable. Furthermore, the process of debt counselling leads to rehabilitation as it presents consumers with an opportunity to start afresh and build a clean credit record.</p>\r\n<p><strong>What are some of the benefits of debt counselling?</strong></p>\r\n<ul>\r\n<li>It provides an opportunity to repay debts without borrowing more money or taking on extra debt.</li>\r\n<li>If you apply before credit providers institute legal action to enforce the debt, you receive protection against such legal action and repossession of your assets.</li>\r\n<li>If you continue making repayments whilst under debt counselling, you will still be protected from repossession of your assets until all your debts are paid up.</li>\r\n<li>Essential/living expenses such as groceries, school fees and others are taken into account before a determination of how much is available to offer towards your debts.</li>\r\n<li>A registered debt counsellor negotiates reduced repayments on behalf of the consumer, using the consumer’s existing income.</li>\r\n<li>The restructuring of debts will be approved by a Magistrate Court or the National Consumer Tribunal and this provides assurance that the negotiated and restructured repayment terms are fixed for the duration that you are under debt counselling.</li>\r\n<li>There is no limit in terms of the amount of debt that can be placed under debt counselling, as long as legal action is not taken, the consumer debt can be included under debt counselling.</li>\r\n<li>There is no timeframe for a consumer to be under debt counselling as the term is dependent on the consumer’s financial circumstances such as debt, income, living expenses and others.</li>\r\n<li>If all your short term debt is paid in full and the only remaining debt is a home loan, if this home loan is up to date in terms of the debt counselling re-arrangement agreement, you will be issued with a clearance certificate and all credit information of accounts which were under debt counselling will be expunged from your credit profile/record at the credit bureau. This means you can start afresh and tap into the credit market on a clean slate.</li>\r\n<li>You have the option of making a single payment through the use of the Payment Distribution Agents (PDAs) registered with the NCR. PDAs have a mandate to collect and distribute debt counselling funds on behalf of consumers to credit providers. This option provides convenience for the consumer.  </li>\r\n</ul>\r\n<p>Whilst it may be difficult for many to confront their financial hardship, consumers who are receiving income are encouraged to act immediately by considering debt counselling as a debt relief measure and to do so before their assets such as houses, cars and others are repossessed by credit providers, urges Legodi.</p>\r\n<p><strong><em>Below are some of the things that consumer take further note of if considering debt counselling:</em></strong></p>\r\n<ul>\r\n<li>Debt counselling is often times referred to as debt review;</li>\r\n<li>To apply for debt counselling, a consumer must have an income;</li>\r\n<li>You cannot go under debt counselling if you are still under debt administration;</li>\r\n<li>Once you apply for debt counselling, you will not get any further credit and your name will be flagged at the credit bureaus. This is not a listing, but an indicator that you have applied for debt counselling;</li>\r\n<li>Debt counselling is offered by NCR registered debt counsellors and you can verify their registration status with the NCR by visiting the NCR’s website on <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a> or calling on 0860 627 627;</li>\r\n<li>Debt counselling is not offered for free. The debt counselling related costs should be explained to consumers upfront by the debt counsellor and these fees  can be confirmed on the NCR’s website (<a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a>) under guidelines;</li>\r\n<li>Where a court order has been granted, consumers can only exit debt counselling upon receipt of a clearance certificate from their debt counsellor;</li>\r\n<li>Use a debt counsellor that is close to where you live or work for easy access. This will enable you to physically visit the debt counsellor’s office should the need arise;</li>\r\n<li>Consumers married in community of property, have to bring a joint debt counselling application and cannot apply individually;</li>\r\n<li>The impact of making reduced payment will result in the extension of the initial repayment term.</li>\r\n</ul>\r\n<p>Legodi stresses that consumers should ensure that they receive a comprehensive explanation from the debt counsellor and understand the debt counselling process before they sign and accept the application. Furthermore, they must have knowledge of who their debt counsellor is (i.e. name and NCR registration number), what the consequences of being under debt counselling is, how their debt is going to be restructured, the related costs, what their rights and obligations are under debt counselling so that they can be able to make informed decisions, stay informed to proactively address any concerns or anomalies they notice.</p>\r\n<p>The NCR was established, amongst others to ensure compliance with the NCA, receive and investigate complaints. If consumers are unhappy with the service provided by debt counsellors, credit providers, credit bureaus or PDAs, they are invited to  lodge a complaint with the NCR at <span id=\"cloak51729\"><a href=\"mailto:complaints@ncr.org.za\">complaints@ncr.org.za</a></span>; concludes Legodi.</p>\r\n<p align=\"center\"><strong>Ends</strong>  </p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Ntombizodwa Mahlangu<br /> E-mail: <span id=\"cloak68269\"><a href=\"mailto:NMahlangu@ncr.org.za\">NMahlangu@ncr.org.za</a></span><br /> Cell: 064 752 3926<br /> Media Office: <span id=\"cloak90088\"><a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></span><br /> Website: <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a></p>','',1,8,'2020-08-26 13:52:26',915,'','2020-09-12 13:53:19',915,0,'0000-00-00 00:00:00','2020-08-26 15:52:18','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,34,'','',1,11985,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(89,227,'Who can complain to us?','who-can-complain-to-us','<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership) or a trust with the necessary authority. Complaints may include complaints against any institution offering credit, against a debt counsellor, a PDA or a credit bureau provided the NCR has jurisdiction. Only persons with a written consent may lodge a complaint on behalf of another person. Consumers are encouraged to first lodge a dispute with the relevant credit providers, debt counsellors or credit bureaus before referring the matter to the NCR. <!--Any ordinary consumer may lodge a complaint against any institution offering credit, against a debt counsellor and a credit bureau provided the NCR has jurisdiction. Only persons with a power of attorney may lodge complaints on behalf of another person. </p>\r\n<p>Juristic (trust, companies etc) may lodge a complaint if the person making the complaint is authorised to do so and the annual turnover of the business or group of businesses is less than R1 000 000, or if the agreement in question is less than R 250 000.00 </p>\r\n<p>Consumers are encouraged to first lodge a complaint with the respective credit providers, debt counsellors or credit bureau before escalating to the NCR--></p>','',1,14,'2020-09-12 14:11:42',915,'','2020-09-14 15:10:14',915,0,'0000-00-00 00:00:00','2020-09-12 14:11:42','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,4,'','',1,6480,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(90,228,'Complaints we can handle','complaints-we-can-handle','<p><strong>The NCR can assist you with the following types of complaints:</strong></p>\r\n<ul type=\"disc\">\r\n<li>Cost of credit e.g. overcharging of interest, initiation fee, service fee, etc</li>\r\n<li>The conduct of a debt counsellor</li>\r\n<li>Credit related disputes against any credit provider</li>\r\n<li>Complaints against credit bureaus, on condition that the issue was brought to the attention of the bureau prior to lodging a complaint with the NCR</li>\r\n<li>Failure and/or refusal to issue statements of account or other documents relating to an existing credit agreement</li>\r\n<li>Failure and/or refusal by a debt counsellor to issue a clearance certificate</li>\r\n<li>Refusal by a credit provider to cancel an agreement during the cooling off period which is 5 days </li>\r\n<li>Reckless lending</li>\r\n<li>Non-adherence to section 127 &amp; 129 of the NCA by credit providers (taking legal action and repossessing assets without following the prescribed steps)</li>\r\n<li>Non distribution of funds by a payment distribution agent and/or debt counsellor</li>\r\n<li>Credit providers taking legal action whilst the consumer is under debt review</li>\r\n<li>Credit provider’s failure to restructure accounts in accordance with a debt review court order</li>\r\n<li>Unlawful termination of accounts by creditors</li>\r\n<li>Overcharging of fees by debt counsellors</li>\r\n<li>A debt counsellor’s failure to obtain a debt review court order</li>\r\n<li>In-duplum-non-adherence to section 103(5) of the NCA</li>\r\n<li>Credit provider collecting on prescribed debt</li>\r\n</ul>','',1,14,'2020-09-12 14:12:24',915,'','2020-09-23 11:08:45',915,0,'0000-00-00 00:00:00','2020-09-12 14:12:24','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,3,'','',1,7088,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(91,229,'Complaints that fall outside the NCR’s mandate','complaints-that-fall-outside-the-ncr-s-mandate','<p><strong>We cannot assist if your complaint involves: </strong></p>\r\n<ul>\r\n<li>Service agreements, e.g. Vodacom, MTN,  Levies, Municipal accounts, gym etc.</li>\r\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process.</li>\r\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.</li>\r\n<li>A matter relating to administration or Administrators.</li>\r\n<li>Complaints relating to damaged goods, these should be sent to the National Consumer Commission or Motor  Vehicle Ombudsman for vehicles. </li>\r\n<li>Debit orders going off on the wrong dates. </li>\r\n<li>Complaints against timeshare companies</li>\r\n</ul>','',1,14,'2020-09-12 14:13:24',915,'','2023-11-29 08:42:16',915,0,'0000-00-00 00:00:00','2020-09-12 14:13:24','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',6,2,'','',1,5149,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(92,230,'Frequently asked questions ','frequently-asked-questions','<table class=\"table table-bordered table-striped\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p align=\"center\"><strong>QUESTION</strong></p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p align=\"center\"><strong>ANSWER</strong></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>Who can lodge a complaint with the NCR</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership).</p>\r\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer’s written consent.</p>\r\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>Are there limitations that apply to complaints</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.</p>\r\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>What is reckless lending?</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.</p>\r\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.</p>\r\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>What is prescribed debt and what prevents a debt from prescribing</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.</p>\r\n<p>The following prevents a debt from prescribing:</p>\r\n<ul>\r\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt or</li>\r\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.</li>\r\n</ul>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>What is credit life insurance</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p> </p>\r\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.</p>\r\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.</p>\r\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>What are the charges that a credit provider can charge me for borrowing money?</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).</p>\r\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.</p>\r\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement delivery, installation and initial fuelling charges connection fees, levies or charges taxes, licence or registration fees.</p>\r\n<p>The above costs are referred to as the cost of credit in the National Credit Act.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>What is in duplum</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>What is set-off</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.</p>\r\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>Why are my outstanding balancing increasing or not decreasing</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don’t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.</p>\r\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>What is the difference between repossession and voluntary surrender</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.</p>\r\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider’s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>I applied for a loan and was told that my application is declined because I’m under debt review. I do not know who listed me, what do I do?</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>How do I know that the credit provider that I want to deal with is legit?</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>You may check the registration details of a credit provider by searching for it on our website under “credit providers” or you may call 0860 627 627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.</p>\r\n<p> </p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>I’m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>If you are not satisfied with your debt counsellor’s service, you can transfer to another registered debt counselor of your choice.  A list of registered debt counsellors can be found on our website under “Debt Counsellor”.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>I have received a 17.W from my debt counsellor but I still can’t get credit, I’m told I am under debt review.</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\"mailto:complaints@ncr.org.za\">complaints@ncr.org.za</a>. You may also access the complaint initiation form on our website.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>Some credit providers have provided relief to their consumers/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>I want to apply for credit life insurance but I’m not sure how to go about it. I’m not receiving a salary because of the current pandemic.</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.</p>\r\n<p> </p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"396\">\r\n<p>I was financed by NSFAS more than 3 years ago. I’m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.</p>\r\n</td>\r\n<td valign=\"top\" width=\"1007\">\r\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20 000.00 and NSFAS is not aware that you have been earning R20 000.00, the debt has not prescribed.</p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,14,'2020-09-12 15:23:01',915,'','2020-09-23 11:46:18',915,0,'0000-00-00 00:00:00','2020-09-12 15:23:01','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',9,1,'','',1,6369,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(93,231,'NCR contact','ncr-contact','<table class=\"table table-bordered table-striped\" border=\"0\">\r\n<tbody>\r\n<tr>\r\n<td>Physical Address:</td>\r\n<td>Contact information</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\">\r\n<p>127 - 15th Road<br /> Randjespark<br /> Midrand<br /> 1683</p>\r\n<p>232-15th Road <strong>(Call-Centre, Complaints and Investigations Department )</strong><br /> Randjespark<br /> Midrand<br /> 1683</p>\r\n<p><strong>Operating hours:</strong></p>\r\n<p><strong>Monday to Thursday:</strong> 08h00 to 17h00</p>\r\n<p><strong>Friday:</strong> 08h00 to 16h30</p>\r\n<p><strong>NCR Reception:</strong> 011 554 2700</p>\r\n<p><strong>NCR Call Centre:</strong> 0860 627 627</p>\r\n<!--<p>232 - 15th Road<br /> Randjespark<br /> Midrand<br />1683</p>\r\n<p>Departments at 127 - 15th Road (Head office)</p>\r\n<ul>\r\n<li>Credit Bureau Compliance</li>\r\n<li>Credit Provider Compliance</li>\r\n<li>Debt Counselling</li>\r\n<li>Debt Intervention</li>\r\n<li>Education and Communication</li>\r\n<li>Statistics and Research</li>\r\n</ul>\r\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)</p>--></td>\r\n<td valign=\"top\">\r\n<p><strong>Email:</strong> <a href=\"mailto:info@ncr.org.za\">info@ncr.org.za</a></p>\r\n<p><strong>Educational workshops:</strong> <a href=\"mailto:workshops@ncr.org.za\">workshops@ncr.org.za</a></p>\r\n<p><strong>Complaints:</strong> <a href=\"mailto:complaints@ncr.org.za\">complaints@ncr.org.za</a></p>\r\n<p>For 3rd parties complaints on behalf of the consumers, please  <a href=\"documents/written consent regulation.docx\">click here</a></p>\r\n<p>To lodge a complaint <a href=\"documents/form_29.pdf\">click here</a></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,18,'2020-09-14 11:16:29',915,'','2021-10-14 15:25:41',915,0,'0000-00-00 00:00:00','2020-09-14 11:16:29','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',36,0,'','',1,83479,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(94,234,'Voluntary cancellation of registration','voluntary-cancellation-of-registration-cb','<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-</p>\r\n<p>(a) stating the registrant’s intention to voluntarily cancel the registration; and</p>\r\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.</p>\r\n<p><strong><u>Additional Requirements for voluntary cancellation of registration</u></strong></p>\r\n<ol>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau/Form 10 editable.pdf\">Complete form 10. </a></li>\r\n<li>An affidavit stating –\r\n<ul>\r\n<li>The registrant’s intention to voluntarily cancel his or her registrations;</li>\r\n<li>Reasons for such cancellation; and</li>\r\n<li>The date on which the cancellation shall take effect;</li>\r\n</ul>\r\n</li>\r\n<li>Attach to the said notice the original registration certificate and the window decal issued to the registrant by the National Credit Regulator.</li>\r\n<li>A letter from the auditor/accounting officer confirming that the registered activities have ceased and that all consumer credit information has been deleted from your system.</li>\r\n</ol>','',1,28,'2020-09-29 11:11:38',915,'','2021-03-01 15:20:40',915,0,'0000-00-00 00:00:00','2020-09-29 11:11:38','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',10,0,'','',1,4208,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(95,235,'Success Stories','success-stories','','',1,14,'2020-09-29 13:51:18',915,'','2020-09-29 13:51:18',0,0,'0000-00-00 00:00:00','2020-09-29 13:51:18','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,0,'','',1,5305,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(96,236,'Voluntary cancellation of registration','voluntary-cancellation-of-registration-cp','<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-</p>\r\n<ul>\r\n<li>stating the registrant’s intention to voluntarily cancel the registration; and</li>\r\n<li>specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.</li>\r\n</ul>\r\n<p><strong><u>Additional Requirements for voluntary cancellation of registration</u></strong></p>\r\n<ol>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_providers/Form 10 editable.pdf\">Complete form 10.</a></li>\r\n<li>An affidavit or a letter from the accounting officer/Auditor confirming the reasons for cancellation and that the loan book balance is zero and or that the loan book has been taken over by another entity (Please mention the entity and their NCRCP number).</li>\r\n<li>Attach to the said notice the original registration certificate issued to the registrant by the National Credit Regulator.</li>\r\n</ol>','',1,27,'2020-09-29 15:06:56',915,'','2020-09-29 16:17:05',915,0,'0000-00-00 00:00:00','2020-09-29 15:06:56','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',5,0,'','',1,4266,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(97,237,'Voluntary cancellation of registration','voluntary-cancellation-of-registration-pda','<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-</p>\r\n<p>(a) stating the registrant’s intention to voluntarily cancel the registration; and</p>\r\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.</p>\r\n<p><strong><u>Additional Requirements for voluntary cancellation of registration</u></strong></p>\r\n<ol>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau/Form 10 editable.pdf\">Complete form 10. </a></li>\r\n<li>An affidavit stating –\r\n<ul>\r\n<li>The registrant’s intention to voluntarily cancel his or her registrations;</li>\r\n<li>Reasons for such cancellation; and</li>\r\n<li>The date on which the cancellation shall take effect;</li>\r\n</ul>\r\n</li>\r\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.</li>\r\n</ol>','',1,25,'2020-09-29 16:20:13',915,'','2020-09-29 16:20:24',915,0,'0000-00-00 00:00:00','2020-09-29 16:20:13','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,0,'','',1,3589,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(98,238,'Voluntary cancellation of registration','voluntary-cancellation-of-registration-adr','<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-</p>\r\n<p>(a) stating the registrant’s intention to voluntarily cancel the registration; and</p>\r\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.</p>\r\n<p><strong><u>Additional Requirements for voluntary cancellation of registration</u></strong></p>\r\n<ol>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau/Form 10 editable.pdf\">Complete form 10. </a></li>\r\n<li>An affidavit stating –\r\n<ul>\r\n<li>The registrant’s intention to voluntarily cancel his or her registrations;</li>\r\n<li>Reasons for such cancellation; and</li>\r\n<li>The date on which the cancellation shall take effect;</li>\r\n</ul>\r\n</li>\r\n<li>Attach to the said notice the original registration certificate and the window decal issued to the registrant by the National Credit Regulator.</li>\r\n</ol>','',1,24,'2020-09-29 16:25:09',915,'','2021-03-01 15:20:07',915,0,'0000-00-00 00:00:00','2020-09-29 16:25:09','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',4,0,'','',1,5343,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(99,239,'Voluntary cancellation of registration','voluntary-cancellation-of-registration-dc','<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-</p>\r\n<ul>\r\n<li>stating the registrant’s intention to voluntarily cancel the registration; and</li>\r\n<li>specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.</li>\r\n</ul>\r\n<p>Additional Requirements for voluntary cancellation of registration</p>\r\n<ol>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau/Form 10 editable.pdf\">Complete form 10. </a></li>\r\n<li>An affidavit confirming that you do not have existing customers OR that your consumers have been taken over by another DC (Please mention the Debt Counsellor name and NCRDC registration number).</li>\r\n<li>Provide acknowledgement letter from the Debt Counsellor receiving the files.</li>\r\n<li>Attach to the said notice the original registration certificate issued to the registrant by the National Credit Regulator.</li>\r\n<li>Attach to the said notice proof that all the affected consumers, payment distribution agents (PDAs) and all credit bureaux have been notified about the intended cancellation.</li>\r\n</ol>','',1,26,'2020-09-30 07:35:39',915,'','2020-09-30 07:40:17',915,0,'0000-00-00 00:00:00','2020-09-30 07:35:39','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,0,'','',1,4150,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(100,240,'NCR BBBEE CERTIFICATE ','ncr-bbbee-certificate-2','<p><a href=\"documents/COR07-C - GENERIC NCR BEE Certificate.pdf\">Click here</a> to view the NCR BBBEE CERTIFICATE</p>','',0,23,'2020-10-01 14:37:25',915,'','2020-10-01 14:37:25',0,0,'0000-00-00 00:00:00','2020-10-01 14:37:25','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,0,'','',1,121,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(101,241,'Voluntary cancellation of registration','voluntary-cancellation-of-registration-rcb','<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-</p>\r\n<p>(a) stating the registrant’s intention to voluntarily cancel the registration; and</p>\r\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.</p>\r\n<p><strong><u>Additional Requirements for voluntary cancellation of registration</u></strong></p>\r\n<ol>\r\n<li><a href=\"documents/pages/registration&amp;compliance/credit_bureau/Form 10 editable.pdf\">Complete form 10. </a></li>\r\n<li>An affidavit stating –\r\n<ul>\r\n<li>The registrant’s intention to voluntarily cancel his or her registrations;</li>\r\n<li>Reasons for such cancellation; and</li>\r\n<li>The date on which the cancellation shall take effect;</li>\r\n</ul>\r\n</li>\r\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.</li>\r\n</ol>','',1,29,'2020-10-01 15:28:19',915,'','2020-10-01 15:29:06',915,0,'0000-00-00 00:00:00','2020-10-01 15:28:19','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,0,'','',1,3251,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(102,244,'Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue','media-release-consumer-rights-webinar-consumer-protection-matters-to-come-under-spotlight-during-the-dtic-dialogue','<p align=\"right\"><strong>Date: 13 September 2020 </strong></p>\r\n<p><strong>Consumer protection matters to come under spotlight during the dtic dialogue</strong></p>\r\n<p>Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (<strong>the dtic</strong>) in conjunction with its agencies, the Competition Commission (CompCom), the National Consumer Commission (NCC) and the National Credit Regulator (NCR). The Webinar will take place on Thursday, 17 September 2020 at 14:00.</p>\r\n<p>According to the Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina, the dialogue is aimed at educating consumers about consumer rights, more importantly during the COVID-19 pandemic and to outline the regulations that businesses must comply with.</p>\r\n<p>She adds that the dialogue will amongst others; explain consumer rights and complaints processes, responsible credit lending, borrowing and spending, price hikes, amendments of the Competition Act and collusive conduct; including the process to report inflated prices.</p>\r\n<p>“The importance of educating consumers about their rights during the COVID-19 pandemic is critical, as some of the businesses may see an opening to exploit consumers and for unfair competition and practices to thrive amongst others. We want to educate consumers about responsible borrowing and spending, create awareness about the responsible lending by credit providers, update them on the cases under investigation for unfair business trading and create awareness on the steps and processes to follow in reporting price colluding,” says Gina.</p>\r\n<p>Importantly, Gina says the dialogue will afford the panelists an opportunity to share with the audience the various support services, programmes, processes and recourses available to consumers and businesses during the COVID-19 pandemic, and further impress upon the need to keep a healthy credit life during these times.</p>\r\n<p>Gina is encouraging consumers to be part of the conversation and acquire knowledge that will protect them from unfair business practices and exploitation.</p>\r\n<p>Please click the link below to join the webinar:<br /> <a href=\"https://gcis.zoom.us/j/92253505093\">https://gcis.zoom.us/j/92253505093</a></p>\r\n<p>Enquiries:<br /> Sidwell Medupe-Departmental Spokesperson<br /> Tel: (012) 394 1650<br /> Mobile: 079 492 1774<br /> E-mail: MSMedupe@thedti.gov.za<br /> Issued by: The Department of Trade, Industry and Competition<br /> Follow us on Twitter:<br /> @the_dti<br /> @CompComSA<br /> @NCC_COVID19</p>','',1,8,'2020-10-09 07:56:04',915,'','2021-08-19 11:59:15',915,0,'0000-00-00 00:00:00','2020-10-09 07:56:04','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,33,'','',1,10369,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(103,245,'Media advisory cosumer rights webinar -  Consumer protection matters to come under spotlight during the dtic dialogue','media-advisory-cosumer-rights-webinar-consumer-protection-matters-to-come-under-spotlight-during-the-dtic-dialogue','<p align=\"right\"><strong>DATE: 16 September 2020 </strong></p>\r\n<p><strong>Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue</strong></p>\r\n<p>Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (<strong>the dtic</strong>) in conjunction with its agencies, the Competition Commission (CompCom), the National Consumer Commission (NCC) and the National Credit Regulator (NCR).</p>\r\n<p><strong>Members of the media are invited to the webinar as follows:</strong></p>\r\n<table class=\"table table-bordered table-striped\" border=\"0\">\r\n<tbody>\r\n<tr>\r\n<td>Date:</td>\r\n<td>Thursday, 17 September 2020</td>\r\n</tr>\r\n<tr>\r\n<td>Time:</td>\r\n<td>14H00</td>\r\n</tr>\r\n<tr>\r\n<td>Venue:</td>\r\n<td>GCIS Video link:<a href=\"https://gcis.zoom.us/j/92253505093\">https://gcis.zoom.us/j/92253505093</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p>According to the Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina, the dialogue is aimed at educating consumers about consumer rights, more importantly during the COVID-19 pandemic and to outline the regulations that businesses must comply with.</p>\r\n<p>Gina is encouraging consumers to be part of the conversation and acquire knowledge that will protect them from unfair business practices and exploitation.</p>\r\n<p>Enquiries:<br /> Sidwell Medupe-Departmental Spokesperson<br /> Tel: (012) 394 1650<br /> Mobile: 079 492 1774<br /> E-mail: MSMedupe@thedti.gov.za<br /> Issued by: The Department of Trade, Industry and Competition<br /> Follow us on Twitter:<br /> @the_dti <br /> @CompComSA<br /> @NCC_COVID19</p>','',1,8,'2020-10-09 08:00:18',915,'','2020-10-09 08:01:12',915,0,'0000-00-00 00:00:00','2020-10-09 08:00:18','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,32,'','',1,9604,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(104,246,'Covid-19 impact on credit extension','covid-19-impact-on-credit-extension','<p style=\"text-align: right;\"><strong>October 2020</strong></p>\r\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from March 2020 to June 2020. The total value of new credit granted decreased by 56.72% quarter-on-quarter from R126.35 billion to R54.68 billion. The number of credit agreements entered into decreased by 47.73% quarter-on-quarter from 3.93 million to 2.05 million.</p>\r\n<p>The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2020:</p>\r\n<ul>\r\n<li>The value of new mortgages granted decreased by R25.95 billion (66.65%) quarter-on-quarter and by R27.20 billion (67.69%) year-on-year.</li>\r\n<li>Secured credit which is dominated by vehicle finance, decreased by R18.57 billion (47.51%) quarter-on-quarter, and by R20.69 billion (50.22%) year-on-year.</li>\r\n<li>Credit facilities decreased by R9.71billion (50.53%) quarter-on-quarter and by R11.60 billion (54.97%) year-on year.</li>\r\n<li>Unsecured credit decreased by R15.10 billion (59.64%) quarter-on-quarter and by R18.42 billion (64.32%) year-on-year.</li>\r\n</ul>\r\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2020 was R1.96 trillion, representing a decrease of 0.94% quarter-on-quarter and an increase of 3.09% year-on-year. The trends for outstanding balances for the quarter ended June 2020 were as follows:</p>\r\n<ul>\r\n<li>Mortgages debtors book decreased by R4.26 billion (0.43%) for the quarter ended June 2020 and increased by R25.90 billion (2.70%) year-on-year.</li>\r\n<li>Secured credit debtors book decreased by R4.51 billion (1.01%) for the quarter ended June 2020 and increased by R7.63 billion (1.75%) year-on-year.</li>\r\n<li>Credit facilities debtors book decreased by R6.96 billion (2.64%) for the quarter ended June 2020 and increased by R7.42 billion (2.97%) year-on-year.</li>\r\n<li>Unsecured credit debtors book decreased by R2.97 billion (1.33%) for the quarter ended June 2020 and increased by R15.24 billion (7.41%) year-on-year.</li>\r\n</ul>\r\n<p>Credit bureaus held records for 26.96 million credit-active consumers, which showed a decrease of 3.69% when compared to the 27.99 million in the previous quarter. Consumers classified in good standing decreased by 559,318 to 16.96 million consumers. This amounts to 62.90% of the total number of credit-active consumers, a decrease of 3.19% quarter-on-quarter and 3.65% year-on-year. The number of credit active accounts decreased from 85.99 million to 85.23 million in the quarter ended June 2020. The number of impaired accounts has increased from 19.88 million (23.12%) to 20.66 million (24.24%) in June 2020, an increase of 779,707 quarter-on-quarter and 506,836 year-on-year.</p>\r\n<p>The number of credit reports issued to consumers decreased from 240,688 to 217,743. A total of 199,977 (91.84%) credit reports were issued free of charge, and the balance of 17,766 (8.16%) were issued at a cost. There were 29,017 disputes lodged on information held on consumer credit records for the quarter ended June 2020, a decrease of 26.67% quarter-on-quarter and 21.66% year-on-year.</p>\r\n<p>Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR advises consumers battling to keep up with their payments to contact their credit providers first to negotiate for lower instalments or some kind of relief to assist them with their debts. If this fails, consumers are further advised to approach registered debt counsellors for assistance. Motshegare further advised that consumers who have credit life insurance should make a claim against their credit life insurance. Credit life insurance is an insurance that a consumer purchases when applying for credit or loan. It covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. In the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle / pay the consumer’s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers can contact the NCR on 0860 627 627 / www.ncr.org.za for additional information.</p>\r\n<p><strong>Comparisons in this release- ‘quarter-on-quarter’ refers to a comparison between the March 2020 and June 2020 quarters, and ‘year-on-year’ refers to a comparison between the June 2019 and June 2020 quarters.</strong></p>\r\n<p style=\"text-align: center;\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p>About The National Credit Regulator<br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p style=\"text-align: center;\"><strong>For more information contact:</strong></p>\r\n<p style=\"text-align: center;\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p style=\"text-align: center;\">Or</p>\r\n<p style=\"text-align: center;\">Ntombizodwa Mahlangu</p>\r\n<p style=\"text-align: center;\">064 752 3926</p>\r\n<p style=\"text-align: center;\">E-mail: <a href=\"mailto:nmahlangu@ncr.org.za\">nmahlangu@ncr.org.za</a></p>\r\n<p style=\"text-align: center;\">Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>\r\n<p> </p>','',1,8,'2020-10-09 08:01:30',915,'','2020-10-09 08:01:30',0,0,'0000-00-00 00:00:00','2020-10-09 08:01:30','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,31,'','',1,10757,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(105,247,'latest news','latest-news-more','<p class=\"backbottom\">{loadmodule mod_articles_category,News listing}</p>','',1,2,'2020-10-09 08:13:21',915,'','2020-10-09 08:15:24',915,0,'0000-00-00 00:00:00','2020-10-09 08:13:21','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,2,'','',1,5084,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(106,257,'Tip Off Anonymous: Ethics Line by KPMG','tip-off-anonymous-ethics-line-by-kpmg','<p><img style=\"display: block; margin-left: auto; margin-right: auto;\" src=\"images/Poster.jpg\" width=\"500\" /></p>','',1,40,'2021-01-07 08:40:43',915,'','2021-01-07 08:40:43',0,0,'0000-00-00 00:00:00','2021-01-07 08:40:43','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,0,'','',1,11055,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(107,258,'Avoid spending what you do not have on Black Friday!','avoid-spending-what-you-do-not-have-on-black-friday','<p align=\"right\"><strong>November 2020</strong></p>\r\n<p>It is beyond doubt that this year has been exceptionally difficult for everyone in many ways. The Covid-19 pandemic which resulted in loss of income, retrenchments and salary reductions for some consumers, added extra financial pressure on the already-financially –stressed households and/or individuals. The effect of the aforementioned factors is that consumers are likely to find themselves battling to meet their current financial obligations, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).</p>\r\n<p>Some consumers are looking forward to the upcoming Black Friday deals and bargains. Certain retailers have already announced that this year’s “Black Friday” deals will start earlier, says Du Plooy. In these difficult economic times, consumers are cautioned to avoid partaking in this year’s Black Friday if they did not properly plan or budget for it. They should rather save their money for emergencies. Consumers are further advised not to use credit for Black Friday as using credit does not amount to saving. Instead, consumers will end up paying more due to the addition of interest and other fees such as monthly service fees, once- off initiation fees, credit life insurance etc, adds Du Plooy.</p>\r\n<p>Du Plooy cautions that failure to pay back credit will have negative and adverse consequences for consumers such as being adversely listed at the credit bureaus and or having legal action being taken against them by credit providers to recover their monies.</p>\r\n<p>Although Black Friday may be beneficial for some consumers, it may also create financial strain to those who participate without a proper budget and planning. A budget is a crucial tool which assists consumers to know whether they can afford certain deals or not.</p>\r\n<p><strong>Helpful tips for consumers for Black Friday:</strong></p>\r\n<ul>\r\n<li>Set a realistic budget of what you can afford to spend and stick to it;</li>\r\n<li>Plan and draw up a list of what you need;</li>\r\n<li>Check the items and prices before Black Friday to do a comparison on the prices and to ensure that you are getting a better deal;</li>\r\n<li>Avoid buying food on credit;</li>\r\n<li>Avoid using unregistered credit providers to get quick loans as you will pay dearly for those;</li>\r\n<li>Remember, cash is king!</li>\r\n</ul>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact: </strong><br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a><br /> Or<br /> Ntombizodwa Mahlangu<br /> Cell: 064 752 3926<br /> E-mail: <a href=\"mailto:NMahlangu@ncr.org.za\">NMahlangu@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2020-11-12 10:46:50',915,'','2021-02-09 10:52:22',915,0,'0000-00-00 00:00:00','2020-11-12 10:46:50','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,30,'','',1,7354,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(108,259,'2020 has been difficult for many, spend wisely for a better New Year','2020-has-been-difficult-for-many-spend-wisely-for-a-better-new-year','<p align=\"right\"><strong>December 2020</strong></p>\r\n<p>Do not allow impulsive and spontaneous spending during the festive season make your January an excruciating one, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR). “If you enter January unprepared, the month will seem longer compared to other months”. “Avoid excessive spending with an aim of impressing friends, family or even strangers”, she cautions.</p>\r\n<p>Many will receive their December salaries mid-month as opposed to the end of the month as is usually the norm. This does not mean that you should spend all of it before the end of December. Bear in mind that the very same salary should cater for debit orders at the end of December and also for all January’s expenses such as rent, food, electricity, transport and additional expenses such as school fees, school uniforms, registration fees, stationery etc. advises Du Plooy.</p>\r\n<p>Many consumers who spend without a proper budget during the festive season end up applying for credit in order to get through January. When their applications for credit are declined by registered credit providers due to affordability, they opt for unregistered credit providers such as Mashonisas, Skoppersetc<em>. </em>Unregistered credit providers charge consumers exorbitant interest and uses unlawful tactics such as retention of cards and PINs to collect their monies. Du Plooy urges consumers to report such conduct by unregistered credit providers to the National Credit Regulator on 0860 627 727 / <a href=\"mailto:complaints@ncr.org.za\">complaints@ncr.org.za</a>.</p>\r\n<p>The COVID-19 pandemic has caused financial strain to many consumers, which calls for consumers to save more and spend less. She advises consumers battling to repay their debts to seek assistance by contacting their credit providers for assistance. If this fails, they should contact registered debt counsellors for assistance. Du Plooy, however, cautions consumers to be wary of debt counsellors who use misleading marketing and advertising practices, particularly on social media platforms such as Facebook to lure consumers into their businesses. “These advertisements are misleading in nature as they misrepresent the spirit and the objectives of the National Credit Act regarding the provisions of debt counselling as a debt relief measure.” An example of these advertisements is “NCR DC is giving South Africans “Extra Cash” to enjoy by reducing debt interest and protection from repossession of assets. Free assessment sms “YES”.”</p>\r\n<p>Du Plooy gives the following tips to consumers during these difficult times:</p>\r\n<ul>\r\n<li>If you have credit life insurance, submit a claim in the event of loss of income, retrenchment, disability or death;</li>\r\n<li>If you get a bonus, count yourself lucky and use it wisely to repay debt and save as you do not know what the future holds;</li>\r\n<li>Do not be tempted by “Sales / Specials” in the shops, stick to your budget;</li>\r\n<li>Always remember that budgeting is crucial, do one and spend wisely!</li>\r\n</ul>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact: </strong><br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a><br /> Or<br /> Ntombizodwa Mahlangu<br /> Cell: 064 752 3926<br /> E-mail: <a href=\"mailto:NMahlangu@ncr.org.za\">NMahlangu@ncr.org.za</a><br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2020-12-08 12:52:59',915,'','2021-02-09 10:53:07',0,0,'0000-00-00 00:00:00','2020-12-08 12:52:52','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,29,'','',1,11670,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(109,260,'Start the 2021 on a good note, spend wisely borrow wisely!','start-the-2021-on-a-good-note-spend-wisely-borrow-wisely','<p align=\"right\"><strong>January 2020</strong></p>\r\n<p>It is that time of the year where some consumers will feel like Januworry is three months long because of their financial situation. Unfortunately, some consumers are currently finding it difficult to meet their financial obligations such as school fees, school uniform, transport, rent, etc. Consumers who might need to borrow money or take out credit should read and understand their credit agreements before signing, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator (NCR). According to the National Credit Act, consumers have a right to receive information in a plain and understandable language and to receive reasons from the credit provider if their application is declined.</p>\r\n<p>If all registered credit providers decline your application, it means that there is a problem prompting a need to work on your finances as your financial woes might be bigger than you realise. This is the time to seek assistance by negotiating for lower instalments with your current credit providers, paying off and closing some accounts. This might be possible if you downgrade your lifestyle, especially during a time when you are battling financially. Visit your budget to check what you can eliminate and that which you can downgrade.</p>\r\n<p>Du Plooy says that consumers should avoid unregistered credit providers such as (Mashonisas / Skoppers) to access credit as they will pay dearly at the end. Unregistered credit providers charge exorbitant interest rates and use other illegal collection mechanisms such as card retention. <br /> Consumers should not agree to pay an “upfront fee”, warns Du Plooy. This is a fee charged mostly by unregistered or even fake credit providers before they give the consumer the money they are applying for. This fee has many names such as attorney’s fees, release fee, admin fee etc. In terms of the National Credit Act, it is illegal for a credit provider to make a consumer pay them upfront. Consumers should not confuse this with a deposit as there is no deposit when taking out a loan. The bottom line though, is that the prospective credit provider will never give you the money you are requesting, they will suck you dry before they vanish. Know your rights and spare your money, says Du Plooy.</p>\r\n<p>Remember the festive season has come and gone and you are still here, so make the best of this year by spending and borrowing wisely. Save for the future as there is no better time like now, adds Du Plooy.</p>\r\n<p>Tips for consumers:</p>\r\n<ul>\r\n<li><strong>Understand the cost of credit</strong>. The cost of credit includes interest rate, once off initiation fees, monthly service fees, credit life insurance, etc. To understand the cost of credit, consumers should be given a pre-agreement statement and quotation (valid for 5 business days). These should disclose all the costs involved in the credit agreement that a consumer signs.</li>\r\n<li><strong>Do not sign a blank credit agreement/document - </strong>read the content first, understand and ask relevant questions. You may sign ONLY when satisfied.</li>\r\n<li><strong>Be honest and truthful when applying. </strong>If you are dishonest about your monthly expenses when applying, you will lose the protection offered in the National Credit Act if you need to raise reckless lending in the future.</li>\r\n<li><strong>Borrow only when it is absolutely necessary to do so</strong> and avoid using credit for consumables such as groceries.</li>\r\n<li><strong>Understand credit life insurance - </strong>Familiarise yourself with the terms and conditions of the credit life insurance to avoid surprises when you mostly need the cover from the insurance. Credit life insurance can be a life saver when you cannot repay the debt for reasons such as loss of income, unemployment, disability etc.</li>\r\n<li><strong>Pay your debts on time -</strong> Paying late or not paying the full instalment will adversely/negatively affect your credit report and in turn your ability to qualify for credit in the future. If you think you cannot meet your monthly instalments, contact your credit providers immediately and try to re-arrange payments. Do not wait until you skip payments.</li>\r\n<li><strong>Check your credit report often-</strong> You are entitled to a free credit report once a year.</li>\r\n<li><strong>Contact the NCR for a free educational workshop </strong>– The NCR conducts workshops for consumers around the country at no cost.</li>\r\n</ul>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Or<br /> Ntombizodwa Mahlangu<br /> 064 752 3926<br /> E-mail: <a href=\"mailto:NMahlangu@ncr.org.za\">NMahlangu@ncr.org.za</a> <br /> Call centre: 0860 627 627<br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',0,8,'2021-01-12 08:25:54',915,'','2021-02-10 08:28:10',915,0,'0000-00-00 00:00:00','2021-01-12 08:25:54','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',4,28,'','',1,485,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(110,261,'Industry Communique for issuing 1 Febr 2021','industry-communique-for-issuing-1-febr-2021','<p><strong>Dear Industry Stakeholder</strong></p>\r\n<p>In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry may require the NCR to establish and maintain, in the prescribed manner and form, a single national register of outstanding credit agreements.</p>\r\n<p>With the promulgation of the Financial Sector Regulation Act, 2017 (FSRA) in August 2017, the South African Reserve Bank’s (SARB) mandate was expanded to include an explicit financial stability responsibility. The SARB is responsible for protecting and enhancing financial stability by monitoring the global and domestic environment for risks and vulnerabilities and mitigating them through macro-prudential policy action. </p>\r\n<p>This responsibility requires the SARB to, among other things, increase its focus on credit risk by expanding its database with more granular credit data and improving credit information reporting systems. At the same time, more granular credit data will serve the SARB’s price stability mandate  and promote more prudent risk-management practices and enhance prudential supervision by the Prudential Authority (PA).</p>\r\n<p>In light of this, in July 2019, Governor Lesetja Kganyago recommended to the Department of Trade, Industry and Competition (DTIC) Minister Ebrahim Patel to establish a central credit register (CCR) for South Africa. In September 2019, Minister Patel agreed and requested the NCR to cooperate with the SARB and other stakeholders to create and maintain a national register of credit agreements for South Africa, as considered in section 69 of the NCA.</p>\r\n<p>Consequently, a CCR Steering Committee (Committee) was set up in December 2019 to drive the establishment of a CCR for South Africa. Members of the Committee include the National Credit Regulator, South African Reserve Bank, Prudential Authority, Financial Sector Conduct Authority, Financial Intelligence Centre, the National Treasury and the Department of Trade, Industry and Competition. Work has been ongoing, and it is envisaged that the financial sector industry will be engaged for discussion and consultations in the first quarter of 2021.</p>\r\n<p> </p>\r\n<p>More detailed communication will follow in due course.</p>\r\n<p>For inquiries contact Lebogang  Selibi at <a href=\"mailto:ccr@ncr.org.za\">ccr@ncr.org.za</a></p>','',1,8,'2021-02-10 09:11:02',915,'','2021-02-10 09:11:13',915,0,'0000-00-00 00:00:00','2021-02-10 09:11:02','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,27,'','',1,20891,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(111,263,'The NCR and the Credit Ombud rowing together in the same boat.','the-ncr-and-the-credit-ombud-rowing-together-in-the-same-boat','<p>The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers.</p>\r\n<p>The NCR is responsible for regulating credit providers and is tasked with carrying out education, research, proposing policies to the Minister, registration of industry participants, investigation of disputes and ensuring the enforcement of the NCA 34 of 2005. The Credit Ombud is a voluntary, non-statutory body; afforded recognition under Section 11 of the Financial Services Ombud Scheme Act, 2004 and is an Ombud with jurisdiction in terms of the NCA; which engages in the resolution of disputes arising within the non-bank credit industry and consumers.</p>\r\n<p>Working together is pivotal to building and maintaining the spirit and objective of the NCA.</p>\r\n<hr />\r\n<p>Section 139 of the NCA provides that the NCR may, upon acceptance of a dispute, refer such dispute to an Ombud with jurisdiction for the purpose of assisting the credit provider and consumer to resolve the dispute. The NCR agreed that all disputes against members of the Credit Ombud will be referred to the Credit Ombud for resolution. The Credit Ombud resolves disputes between consumers and credit providers relating to credit agreements and credit information, this covers all disputes of clothing and furniture retail accounts, micro lenders, and other non-bank loans.</p>\r\n<p>The MoU will see the NCR and Credit Ombud work together on several areas of co-operation. The main elements include the following</p>\r\n<ul>\r\n<li>As an alternative to disputes being investigated by the NCR against subscribing members of the Credit Ombud, the NCR shall refer non-bank credit agreement and credit information matters to the Credit Ombud;</li>\r\n<li>Quarterly reporting to the NCR by the Credit Ombud regarding the resolution of disputes referred by the NCR;</li>\r\n<li>Capacity building and training programmes;</li>\r\n<li>Outreach initiatives and credit industry awareness and education;</li>\r\n<li>Research and information sharing.</li>\r\n</ul>\r\n<p>The services offered by the Credit Ombud is FREE to consumers wanting to resolve their disputes arising from within the non-bank credit industry. Consumers are not bound by the ruling or decision of the Credit Ombud and may refer a matter to the NCR.</p>\r\n<p>Working together is pivotal to building and maintaining the spirit and objective of the NCA.</p>\r\n<hr />\r\n<p align=\"center\"><strong>NCR Contact details:</strong></p>\r\n<p align=\"center\"><strong>Call Centre:</strong> 0860 627 627<br /> <strong>Reception:</strong> 011 554 2700<br /> <strong>Email:</strong> <a href=\"mailto:info@ncr.org.za\"> info@ncr.org.za</a> / <a href=\"mailto:complaints@ncr.org.za\">complaints@ncr.org.za</a> / <a href=\"mailto:workshops@ncr.org.za\">workshops@ncr.org.za</a><br /> <strong>Website:</strong> <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>\r\n<p align=\"center\"><strong>Credit Ombud Contact details:</strong></p>\r\n<p align=\"center\"><strong>Call center:</strong> 0861 662 837<br /> <strong>Reception:</strong> 011 781 6431<br /> <strong>SMS:</strong> ‘Help’ to 44786<br /> <strong>Email:</strong> <a href=\"mailto:ombud@creditombud.org.za\">ombud@creditombud.org.za</a><br /><strong>Twitter:</strong> @creditombud<br /> <strong>Facebook:</strong> @creditombud <br /><strong>Website</strong>: <a href=\"http://www.creditombud.org.za\">www.creditombud.org.za</a></p>','',1,8,'2021-04-16 13:23:48',915,'','2021-04-16 13:24:16',915,0,'0000-00-00 00:00:00','2021-04-16 13:23:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,26,'','',1,15219,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(112,264,'The National Credit Regulator warns against false information on the National Credit Amendment Act relating to “Debt Intervention”','the-national-credit-regulator-warns-against-false-information-on-the-national-credit-amendment-act-relating-to-debt-intervention','<p align=\"right\"><strong>June 2021</strong></p>\r\n<p>The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.</p>\r\n<p>Although, the National Credit Amendment Act (the Act) was signed into law, it is not yet in operation and await an implementation date to be promulgated. This simply means that it is currently not in effect, stressed Du Plooy.</p>\r\n<p>The NCR has discovered several online scams, such as “ask.auntykaryn.co.za” which direct consumers to apply to certain companies in order to qualify for their debts to be written off under debt intervention. This is incorrect and misleading! </p>\r\n<p>It has to be emphasized that consumers will only be assisted for debt intervention once the Act has been promulgated by the President.  Consumers should beware these scams and avoid falling victims to them, she says.</p>\r\n<p>Du Plooy provides the following insight about “Debt Intervention”:</p>\r\n<ul>\r\n<li>Consumers should not fall prey or victims to scams where companies and individuals direct them to pay for services with the promise that their debts will be written off. Consumers are encouraged to verify such information with the NCR on 0860 627 627 before any payments are made or agreements entered into.</li>\r\n<li>Consumers who are battling with the repayments on their debts can contact a registered debt counsellor directly for assistance.</li>\r\n<li>There is no basis for consumers to utilise agents to get to a debt counsellor and pay agent fees.</li>\r\n<li>All registered debt counsellors can be found on the NCR’s website at <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a> or consumers can contact the NCR on 0860 627 627 for assistance in this regard.</li>\r\n<li>Consumers are further cautioned to never give their personal details such as their ID numbers to strangers telephonically or online.</li>\r\n<li>A current scam that leads consumers to a website is <a href=\"https://ask.auntykaren.co.za\">https://ask.auntykaren.co.za</a>. Consumers are cautioned not to visit this website, to be vigilant and avoid this scam.</li>\r\n<li>Remember if it sounds too good to be true, it usually is.</li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Or</p>\r\n<p align=\"center\">Winnie Rabathata<br /> 064 752 3923<br /> E-mail: <a href=\"mailto:wrabathata@ncr.org.za\">wrabathata@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2021-06-21 16:05:28',915,'','2021-06-21 16:09:47',915,0,'0000-00-00 00:00:00','2021-06-21 16:05:28','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,25,'','',1,18870,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(113,265,'The importance of knowing your credit status','the-importance-of-knowing-your-credit-status','<p align=\"right\"><strong>June 2021</strong></p>\r\n<p>According to the National Credit Regulator’s (NCR) Credit Bureau Monitor (CBM), out of 27.41 million credit active consumers, about 395 000 consumers accessed their credit reports in the quarter ending in December 2020. The CBM shows that a significant number of consumers do not check their credit reports as often as they ought to. Although, there has been an increase in the number of consumers accessing their credit reports, the figures still remain low, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.</p>\r\n<p>In order to assist consumers to understand more about credit reports, Du Plooy provides an explanation. A credit report provides a consumer’s credit information such as a person’s credit history, including applications for credit, credit agreements to which a person is or has been a party, pattern of payment or defaults under any such credit agreements, debt review status etc. Further to the type of information kept at the credit bureaus, the National Credit Act also stipulates how long the information should be kept at the credit bureaus, adds Du Plooy.</p>\r\n<p>Consumers are entitled to one free credit report once per annum from any of the four consumer credit bureaus listed below. By accessing their credit reports, consumers will have insight into what is contained in their credit reports. They will also be able to dispute any incorrect information with the credit bureau where they obtained their credit reports, make necessary payments where required and ultimately work on fixing their credit reports if there are any adverse listings, judgments etc., advises Du Plooy. Accessing a credit report will also assist consumers to know if they are a victim of identity fraud.</p>\r\n<p>A healthy credit profile will enable a consumer to qualify for credit and get a lower interest rates as opposed to someone who has a bad credit report. A credit report can also be checked in instances where a company is considering a candidate for employment in a position that requires honesty in dealing with cash or finances. A bad credit report might affect your chances of getting a job, adds Du Plooy</p>\r\n<p>Our message to the youth is to aim to keep a clean credit profile all the time. This can be done by avoiding unnecessary credit, paying all debts as and when required and saving for emergencies. She also added that consumers should avoid taking debt for other people. For an example, you take clothes for your partner on credit with the promise that they will make monthly repayments. In this instance, consumers should remember that the person responsible for payment of the debt is the one who signs the credit agreement as the verbal agreement they made to you will not count.</p>\r\n<p>The NCR urges all consumers to contact any of the below credit bureaus and request a free copy of their credit report, in particular the youth since it is their month. Consumers should dispute any incorrect information with the credit bureaus. <br /> Only escalate to the Credit Ombud if the credit bureaus cannot assist you, concludes Du Plooy.</p>\r\n<p><strong>Contact Credit Bureaus</strong></p>\r\n<table class=\"table table-bordered table-striped\" border=\"1\" width=\"500\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\"><br /> <strong>Experian</strong></td>\r\n<td valign=\"top\">\r\n<p>(011) 799-3400/ 086 151 4131</p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"http://www.experian.co.za/\">www.experian.co.za</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"mailto:consumer@creditexpert.co.za\">consumer@creditexpert.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\">\r\n<p><strong>TransUnion </strong></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p>0861 886 466</p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"http://www.transunion.co.za/\">www.transunion.co.za</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"mailto:webadmin@transunion.co.za\">webadmin@transunion.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\">\r\n<p><strong>XDS</strong></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p>0860 937 000<br /> (011) 645-9100</p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"http://www.xds.co.za/\">www.xds.co.za</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"mailto:info@xds.co.za\">info@xds.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\">\r\n<p><strong>Consumer Profile Bureau </strong></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p>(010)590-9505</p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"http://www.consumerprofilebureau.com\">www.consumerprofilebureau.com</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"mailto:support@cpbonline.co.za\">support@cpbonline.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\">\r\n<p><strong>Credit Ombud</strong></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p>0861 662 837</p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"http://www.creditombud.org.za\">www.creditombud.org.za</a></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p><a href=\"mailto:ombud@creditombud.org.za\">ombud@creditombud.org.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\">\r\n<p><strong>National Credit Regulator</strong></p>\r\n</td>\r\n<td valign=\"top\">\r\n<p>0860 627 627</p>\r\n</td>\r\n<td valign=\"top\"><a href=\"mailto:www.ncr.org.za\">www.ncr.org.za</a></td>\r\n<td valign=\"top\"><a href=\"mailto:info@ncr.org.za\">info@ncr.org.za</a></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p align=\"center\">Ends</p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Winnie Rabathata: 0647523923<br /> E-mail: <a href=\"mailto:wrabathata@ncr.org.za\">wrabathata@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2021-07-01 12:55:48',915,'','2021-07-01 12:57:04',915,0,'0000-00-00 00:00:00','2021-07-01 12:55:48','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,24,'','',1,10522,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(114,267,'Research Reports','research-reports','<table class=\"table table-bordered table-striped\" width=\"800\">\r\n<tbody>\r\n<tr>\r\n<td width=\"156\">May 2021</td>\r\n<td width=\"826\"><a href=\"documents/NCR Unsecured Credit Study - Final Report (Abridged).pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal</a>  </td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,43,'2021-07-01 14:15:31',915,'','2021-07-08 14:39:55',915,0,'0000-00-00 00:00:00','2021-07-01 14:15:31','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',4,0,'','',1,321,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(115,268,'Credit extension slows down','credit-extension-slows-down','<p align=\"right\"><strong>July 2021</strong></p>\r\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021. The total value of new credit granted decreased by 10.11% quarter-on-quarter from R154.42 billion to R138.81 billion. The number of credit agreements entered into decreased by 12.66% quarter-on-quarter from 3.66 million to 3.20 million.<br /> The following were some of the most significant trends observed in terms of credit granted for the quarter ended March 2021:</p>\r\n<ul>\r\n<li>The value of new mortgages granted decreased by R8.40 billion (13.40%) quarter-on-quarter and increased by R15.33 billion (39.39%) year-on-year.</li>\r\n<li>Secured credit which is dominated by vehicle finance, decreased by R6.57 billion (13.82%) quarter-on-quarter, and increased by R1.87 billion (4.77%) year-on-year.</li>\r\n<li>Credit facilities increased by R1.91 billion (10.78%) quarter-on-quarter and by R440.37 million (2.29%) year-on year.</li>\r\n<li>Unsecured credit decreased by R2.69 billion (11.77%) quarter-on-quarter and by R5.18 billion (20.47%) year-on-year.</li>\r\n</ul>\r\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion, representing an increase of 1.27% quarter-on-quarter and of 2.68% year-on-year. The trends for outstanding balances for the quarter ended March 2021 were as follows:</p>\r\n<ul>\r\n<li>Mortgages debtors book increased by R27.10 billion (2.67%) for the quarter ended March 2021 and by R54.05 billion (5.47%) year-on-year.</li>\r\n<li>Secured credit debtors book increased by R1.55 billion (0.34%) for the quarter ended March 2021 and by R8.43 billion (1.88%) year-on-year.</li>\r\n<li>Credit facilities debtors book decreased by R498.01 million (0.19%) for the quarter ended March 2021 and increased by R167.49 million (0.06%) year-on-year.</li>\r\n<li>Unsecured credit debtors book decreased by R3.46 billion (1.60%) for the quarter ended March 2021 and by R10.92 billion (4.88%) year-on-year.</li>\r\n</ul>\r\n<p>Credit bureaus held records for 27.53 million credit-active consumers, which showed an increase of 0.44% when compared to the 27.41 million in the previous quarter. Consumers classified in good standing increased by 216,007 to 17.01 million consumers. This amounts to 61.80% of the total number of credit-active consumers, an increase of 0.84% quarter-on-quarter and a decrease of 0.78% year-on-year. The number of credit active accounts decreased from 90.47 million to 85.09 million in the quarter ended March 2021. The number of impaired accounts has decreased from 23.85 million (26.34%) to 20.18 million (23.71%) in March 2021, a decrease of 3,650,424 quarter-on-quarter and increased by 296,911 year-on-year.</p>\r\n<p>The number of credit reports issued to consumers increased from 394,458 to 584,437. A total of 493,538 (84.45%) credit reports were issued free of charge, and the balance of 90,899 (15.55%) were issued at a cost. There were 25,404 disputes lodged on information held on consumer credit records for the quarter ended March 2021, a decrease of 4.50% quarter-on-quarter and 35.80% year-on-year.</p>\r\n<p>Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR recognises that consumers are indeed facing tough times and encourages those who are battling to keep up with their debt to utilise the different debt relief options provided for in the National Credit Act and by the industry. Consumers battling with their debt can approach their credit providers directly to negotiate for lower instalments or for some kind of relief on their debts. If this fails, consumers can approach a registered debt counsellor for assistance.</p>\r\n<p>Motshegare further advises consumers who qualify to claim from their credit life insurance. Credit life insurance covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. In the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle / pay the consumer’s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers can also enquire from the Department of Labour about unemployment insurance fund (UIF) applications.</p>\r\n<p><strong><em>Comparisons in this release- ‘quarter-on-quarter’ refers to a comparison between the December 2020 and March  2021 quarters, and ‘year-on-year’ refers to a comparison between the March 2020 and March 2021 quarters</em></strong><strong>.</strong></p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a><br /> Winnie Rabathata: 064 752 3923<br /> E-mail: <a href=\"mailto:wrabathata@ncr.org.za\">wrabathata@ncr.org.za</a><br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2021-07-06 15:56:18',915,'','2021-07-06 15:56:41',915,0,'0000-00-00 00:00:00','2021-07-06 15:56:18','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,23,'','',1,15799,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(116,269,'Alternative Data Landscape in South Africa','alternative-data-landscape-in-south-africa','<p>The material in this work is copyrighted. Copying and/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of the work promptly, and when the reproduction is for educational and non-commercial purposes, without a fee, subject to such attributions and notices as we may reasonably require.</p>\r\n<p>IFC does not guarantee the accuracy, reliability, or completeness of the content included in this work, or for the conclusions or judgments described herein, and accepts no responsibility or liability for any omissions or errors (including, without limitation, typographical errors and technical errors) in the content whatsoever or for reliance thereon. The findings, interpretations, and conclusions expressed in this volume do not necessarily reflect the views of the Executive Directors of the World Bank or the Governments they represent</p>\r\n<p>The contents of this work are intended for general informational purposes only and are not intended to constitute legal, securities, or investment advice, an opinion regarding the appropriateness of any investment, or a solicitation of any type. IFC or its affiliates may have an investment in, provide other advice or services to, or otherwise have a financial interest in, certain of the companies and parties named herein.</p>\r\n<p>All other queries on rights and licenses, including subsidiary rights, should be addressed to IFC Communications, 2121 Pennsylvania Avenue, N.W., Washington, D.C. 20433. International Finance Corporation is an international organization established by Articles of Agreement among its member countries, and a member of the World Bank Group. All names, logos, and trademarks are the property of IFC and you may not use any of such materials for any purpose without the express written consent of IFC. Additionally, “International Finance Corporation” and “IFC” are registered trademarks of IFC and are protected under international law.</p>\r\n<p><a href=\"http://www.ncr.org.za/documents/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\">Read more</a></p>','',1,8,'2021-07-09 15:05:31',915,'','2021-07-09 15:08:40',915,0,'0000-00-00 00:00:00','2021-07-09 15:05:31','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,22,'','',1,16098,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(117,274,'Men and finances','men-and-finances','<p align=\"right\"><strong>July 2021</strong></p>\r\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African’s owe in terms of credit which is made up of amongst others, mortgage bonds, vehicle finances, credit cards, personal loans, store cards etc.  This shows that credit plays an important role in people’s lives and if used properly, it can assist to build or accumulate assets, says Ms Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator (NCR). “However, if credit is used recklessly, it can cause serious financial strain which may leave many consumers struggling to repay their monthly debt instalments”.</p>\r\n<p>Although, we do realise that financial problems are not gender specific, in celebrating Men’s Month in July, the NCR calls on all men to be financially savvy and take control of their finances. At times men try to increase their family household income by participating in different money making schemes such as stokvels, online trading, gambling, investments, excessive usage of their credit cards etc. While trying to increase household income, some men find themselves falling prey to fraudsters or taking more than they can chew. Some men accumulate a lot of debt and become vulnerable to scammers where they will be paying monies upfront with a promise of being given a loan or leave their identity documents with credit providers in order to get a loan.</p>\r\n<p>Du Plooy advises all men with financial problems to have courage to seek professional advice. There are different debt relief measures available such as negotiations with credit providers for lower instalments, debt counselling, and the usage of credit life insurance for those who qualify etc. Thus, the NCR urges men to take control of their finances by doing a monthly budget, checking their free credit reports with credit bureaus and to also seek help when it is needed. <br /><br /> The NCR conducts consumer education workshops at no charge. If men groups / organisations would like the NCR to conduct workshops for them on the National Credit Act which covers, amongst other topics, consumer rights, budgeting, credit information and credit bureaus, debt counselling, repossession etc. they should contact the NCR on 0860 627 627 or on <a href=\"mailto:workshops@ncr.org.za\">workshops@ncr.org.za</a> or <a href=\"mailto:info@ncr.org.za\">info@ncr.org.za</a>.</p>\r\n<p>Below are a few tips for men to remain financially savvy:</p>\r\n<ul>\r\n<li>Avoid using credit cards to buy food, alcohol etc.</li>\r\n<li>Compile a monthly budget and stick to it;</li>\r\n<li>Cut unnecessary expenses from your budget;</li>\r\n<li>Make provision for savings in your budget;</li>\r\n<li>Seek professional help if you are battling with debt;</li>\r\n<li>Only use registered credit providers. You can verify their registration with the National Credit Regulator on <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a>;</li>\r\n<li>Do not give your personal details such as ID number, baking details etc. to strangers.  </li>\r\n</ul>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p><strong> </strong></p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Or<br /> Winnie Rabathata<br /> 064 752 3923 <br /> E-mail: <a href=\"mailto:wrabathata@ncr.org.za\">wrabathata@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2021-08-05 09:40:51',915,'','2021-08-05 09:40:51',0,0,'0000-00-00 00:00:00','2021-08-05 09:40:51','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,21,'','',1,20106,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(118,275,'Debt counselling offers new lease of life for over-indebted consumers','debt-counselling-offers-new-lease-of-life-for-over-indebted-consumers','<p align=\"right\"><strong>August 2021</strong></p>\r\n<p>The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and restructuring debt, thereby protecting the consumer from legal action by credit providers. Debt counselling is by no means a savings mechanism and consumers should beware of misleading advertising which markets debt counselling by promising consumers monthly savings of about 60%, cautions Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).</p>\r\n<p>Consumers contemplating debt counselling should first understand the terms and conditions. Debt counselling is not a free service, costs and fees are applicable. Not everyone can qualify for debt counselling. In order to qualify for debt counselling, consumers must have a disposable income to enable negotiation for the reduction of installments, says Du Plooy. “Only over-indebted consumers can qualify for debt counselling, if a consumer does not qualify, they will be rejected.” It is therefore, very important for consumers contemplating debt counselling to approach only registered debt counsellors who will advise them of all terms and conditions, costs and fees, as well as conduct proper financial assessments to determine if the consumer can qualify for debt counselling, adds Du Plooy.</p>\r\n<p>Important considerations before contemplating debt counselling:</p>\r\n<ul>\r\n<li>Consumers married in community of property need to apply for debt counselling jointly. What this means is that when two people are married in community of property, one cannot simply undergo debt counselling independently. Only those married out of community of property can apply for, and undergo debt counselling independently;</li>\r\n<li>Consumers under debt administration cannot apply for debt counselling;</li>\r\n<li>Consumers cannot apply for, or be granted any new credit while they undergo debt counselling;</li>\r\n<li>Consumers can only exit debt counselling once they have settled all their short term debt which includes vehicle finance, credit and store cards, loans etc. and have received a clearance certificate from their debt counsellor;</li>\r\n<li>Should a consumer have a home loan account, payments have to be up to date in terms of the debt counselling re-arrangement order before a clearance certificate is issued; and</li>\r\n<li>A consumer will only be eligible to apply for, or be granted, new credit once they have been issued with a clearance certificate by a debt counsellor.</li>\r\n</ul>\r\n<p>Remember that debt counselling is not offered free of charge. It is imperative that consumers understand this and are aware of the costs upfront. Debt counselling fees are as follows:</p>\r\n<ul>\r\n<li>Application fee: fifty rand (R50.00), payable prior to commencing the assessment. Paid upfront and in full;</li>\r\n<li>Administration fee: three hundred rand (R300.00) per debt counselling application. Paid upfront and in full;</li>\r\n<li>Attorney fees: To be agreed upon with the attorney and communicated with the consumer when applying for debt.</li>\r\n<li>Restructuring fee is either equal to the distributable amount or a maximum fee of eight thousand rand (R8 000.00) for a single applicant. For consumers married in community of property, the restructuring fee is either equal to the distributable amount or a maximum fee of nine thousand rand (R9 000.00). The restructuring fee is a once off payable in month one (1) after the debt counsellor has drafted and submitted the restructuring documents.</li>\r\n<li>After the assessment, if the consumer or debt counsellor strongly feels that there is reckless lending, the consumer is liable to pay a once-off fee of one thousand five hundred rand (R1 500.00);</li>\r\n<li>Aftercare fee: is payable monthly after month two (2) of the debt counselling service. The fee is equal to (five) 5% of the distributable amount up to a maximum fee of four hundred and fifty rand (R450.00);</li>\r\n<li>NCT Submission fee - Submission of the National Consumer Tribunal  of R500 (excluding NCT filing fee);  </li>\r\n<li>Once the restructuring process is complete, a consumer can either make their payments directly to their credit provider or through a registered Payment Distribution Agent (PDA); and</li>\r\n<li>Consumers should request a receipt from the debt counsellor upon payment of the application and administration fees. Debt Counsellors are prohibited from collecting and distributing debt counselling funds to credit providers.</li>\r\n</ul>\r\n<p>Before signing up for debt counselling, consumers are advised to request information from their debt counsellor on how their debts will be restructured. Once signed up, consumers should also request to be given all debt counselling related documents such as their application form, restructuring proposal and court order. Du Plooy once again stressed the importance that debt counselling should only be done by a debt counsellor registered with the NCR and has a certificate that shows their names and their “NCRDC” number. Consumers have a right to demand to see this proof. The NCR also advises consumers to make use of debt counsellors who are in the vicinity of where they live or work as this enables them to physically visit the debt counsellor’s office if the need arises. It is also important to have your debt counsellor’s contact details, names, physical address etc. readily available.</p>\r\n<p>Consumers can get a list of all registered debt counsellors on <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a>. Alternatively, consumers can call the NCR on 0860 627 627, concludes Du Plooy.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a><br /> Or<br /> Didi Sebothoma 0647523910<br /> E-mail: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a><br /> Winnie Rabathata 064 752 3923<br /> E-mail: <a href=\"mailto:wrabathata@ncr.org.za\">wrabathata@ncr.org.za</a><br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2021-08-11 14:56:13',915,'','2021-08-11 14:57:47',915,0,'0000-00-00 00:00:00','2021-08-11 14:56:13','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,20,'','',1,25965,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(119,276,'Looting mayhem has cost some consumers dearly','looting-mayhem-has-cost-some-consumers-dearly','<p align=\"right\"><strong>August 2021</strong></p>\r\n<p>The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts. This is as a result of the job losses or salary reduction or temporary unemployment as some people will only be called back to work once businesses start functioning again. This means that when business owners are trying to rebuild, many people will be unable to make monthly repayments towards their debts, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).</p>\r\n<p>The destruction caused by the looters has left not only business owners, insurers and the government bearing the financial brunt, many others in the value chain such as employees of the vandalised and looted establishments, their families and surrounding small businesses are also affected financially. “If you are a consumer of credit affected by the looting activities that transpired in Gauteng and KwaZulu-Natal leaving you unable to meet your monthly obligations, please inform your credit providers for debt relief assistance”, advises Du Plooy. Missing repayments will, no doubt affect consumers’ credit reports at the credit bureaus, hence it is imperative for consumers to contact their credit providers soonest.</p>\r\n<p>Du Plooy also reminds consumers that credit life insurance which covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others can be a debt relief measure for those who qualify for it. Consumers are urged to check if their credit agreements are covered by credit life insurance because in the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle / pay the consumer’s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers who would like to use this relief measure but battling to get assistance from their credit providers can send a complaint to the National Credit Regulator. However, it is important for consumers to remember that in order to benefit from credit life insurance, all installments for the credit agreement covered by the credit life insurance must be up to date.</p>\r\n<p>Consumers whose income has been reduced may consider debt counselling as a debt relief solution. Debt counselling is a debt relief measure intended to assist over-indebted consumers struggling with debt, through budget advice, negotiation with credit providers for reduced payments, extension of repayment term and restructuring of debt.</p>\r\n<p>For further advice on other debt relief options available in terms of the National Credit Act or further explanation on the above, consumers are welcome to contact the National Credit Regulator on 0860 627 627 or <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a>, concludes Du Plooy.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Or</p>\r\n<p align=\"center\">Didi Sebothoma – 064 752 3910<br /> E-mail: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a><br /> Or</p>\r\n<p align=\"center\">Winnie Rabathata - 064 752 3923<br /> E-mail: <a href=\"mailto:wrabathata@ncr.org.za\">wrabathata@ncr.org.za</a></p>\r\n<p align=\"center\">NCR Share call: 0860 627 627<br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2021-08-19 11:59:43',915,'','2021-08-19 12:00:20',915,0,'0000-00-00 00:00:00','2021-08-19 11:59:43','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,19,'','',1,21391,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(120,277,'Mortgages growth holds steady ','mortgages-growth-holds-steady','<p align=\"right\"><strong>October 2021</strong></p>\r\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from April 2021 to June 2021. The total value of new credit granted increased by 5.81% quarter-on-quarter from R138.81 billion to R146.87 billion. The number of credit agreements entered into increased by 9.63% quarter-on-quarter from 3.20 million to 3.50 million.<br /> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2021:</p>\r\n<ul>\r\n<li>The value of new mortgages granted increased by R2.32 billion (4.27%) quarter-on-quarter and by R43.60 billion (335.77%) year-on-year.</li>\r\n<li>Secured credit which is dominated by vehicle finance, increased by R2.23 billion (5.45%) quarter-on-quarter, and by R22.67 billion (110.50%) year-on-year.</li>\r\n<li>Credit facilities increased by R1.18 billion (6.02%) quarter-on-quarter and by R11.33 billion (119.24%) year-on year.</li>\r\n<li>Unsecured credit increased by R2.32 billion (11.51%) quarter-on-quarter and by R12.23 billion (119.71%) year-on-year.</li>\r\n</ul>\r\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2021 was R2.05 trillion, representing an increase of 0.95% quarter-on-quarter and of 4.64% year-on-year. The trends for outstanding balances for the quarter ended June 2021 were as follows:</p>\r\n<ul>\r\n<li>Mortgages debtors book increased by R18.16 billion (1.74%) quarter–on-quarter and by R76.48 billion (7.77%) year-on-year.</li>\r\n<li>Secured credit debtors book increased by R3.12 billion (0.68%) quarter-on-quarter and by R16.06 billion (3.62%) year-on-year.</li>\r\n<li>Credit facilities debtors book increased by R1.53 billion (0.58%) quarter-on-quarter and by R8.66 billion (3.36%) year-on-year.</li>\r\n<li>Unsecured credit debtors book decreased by R2.77 billion (1.30%) quarter-on-quarter and by R10.72 billion (4.85%) year-on-year.</li>\r\n</ul>\r\n<p>Credit bureaus held records for 26.22 million credit-active consumers, which showed a decrease of 4.77% when compared to the 27.53 million in the previous quarter. Consumers classified in good standing decreased by 868,581 to 16.14 million consumers. This amounts to 61.59% of the total number of credit-active consumers. The number of credit-active accounts decreased from 85.09 million to 85.08 million in the quarter ended June 2021. The number of impaired accounts has decreased from 20.18 million (23.71%) to 19.86 million (23.34%) in June 2021, a decrease of 313,348 quarter-on-quarter and 796,144 year-on-year.</p>\r\n<p>The number of credit reports issued to consumers increased from 584,437 to 588,018. A total of 548,150 (93.22%) credit reports were issued free of charge, and the balance of 39,868 (6.78%) were issued at a cost. There were 30,844 disputes lodged on information held on consumer credit records for the quarter ended June 2021.</p>\r\n<p>It is by no doubt that, COVID-19 has had a financial impact on consumers as some have lost employment whilst others have had a reduction in their income. This has therefore; put a lot of strain to immediate families and even extended families. The NCR continues to encourage those consumers who are battling with their debts to use available debt relief mechanisms such as contacting one’s credit providers and re-negotiating payment terms, if this fails, consumers can consider debt counselling. A list of all registered debt counsellors is available on the NCR’s website (<a href=\"http://www.ncr.org.za\">www.ncr.org.za</a> or by calling 0860 627 627). Credit life insurance is also an option to be considered where necessary. In order to know if you have credit life insurance, consumers should check their credit agreements or contact their credit providers for assistance, says Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR.</p>\r\n<p> </p>\r\n<p><strong><em>Comparisons in this release- ‘quarter-on-quarter’ refers to a comparison between the March and June 2021 quarters, and ‘year-on-year’ refers to a comparison between the June 2020 and June 2021 quarters</em></strong><strong>.</strong></p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong> <br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Or<br /> Didi Sebothoma <br /> 064 752 3910<br /> E-mail: <a href=\"mailto:nmahlangu@ncr.org.za\">dsebothoma@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2021-10-13 15:57:51',915,'','2021-10-13 16:05:13',915,0,'0000-00-00 00:00:00','2021-10-13 15:57:51','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,18,'','',1,11829,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(121,278,'It is illegal for a credit provider to take a consumer’s ID or cards when granting credit ','it-is-illegal-for-a-credit-provider-to-take-a-consumer-s-id-or-cards-when-granting-credit','<p align=\"right\"><strong>October 2021</strong></p>\r\n<p>“In terms of the National Credit Act, it is illegal for credit providers to retain consumers’ instruments such as identity documents (IDs), and bank cards when granting credit. This is the <em>modus operandi</em> adopted by some credit providers to enforce credit agreements entered into with consumers”. Ms Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator said that all people meeting voting requirements have a constitutional right to vote during elections held in the country. The National Credit Regulator is therefore, instructing all credit providers illegally in possession of consumers’ personal instruments to return them to the rightful owners as consumers will need their IDs in order to participate in the upcoming elections, she stressed.</p>\r\n<p>If your bank card or identity document has been taken by a credit provider, you are urged to fetch it from that credit provider. Should they refuse to return these instruments, report the credit provider to your nearest South African Police Service as their conduct constitutes a criminal offence in terms of the National Credit Act, advises Du Plooy.</p>\r\n<p>It is the responsibility of credit providers to thoroughly assess consumers’ applications and conduct an affordability assessment before advancing credit to any consumer. It is in contravention of the National Credit Act to extend credit when you have knowledge that a consumer does not qualify for such a loan. This might constitute reckless credit, she warns.</p>\r\n<p>Du Plooy says that there seems to be confusion about who is supposed to register as a credit provider. In order to clarify this, she explains that it is a requirement for anyone lending money and charging interest, irrespective of the credit amount or the number of clients the credit provider has. Consumers are urged to only use credit providers registered with the National Credit Regulator. Maximum interest rates and other fees such as monthly service fees and once off initiation fees are regulated by the National Credit Act. This means that all credit providers, including smaller ones commonly known as <em>“Loan sharks</em>”, “<em>Mashonisa”</em> or “<em>Skoppers”</em> must adhere to the maximum cost of credit as outlined in the National Credit Act.</p>\r\n<p>If your application for credit is declined, you have the right to be given reasons by the credit provider for the decision. If the reason is, for example, a negative listing at the credit bureau, you need to pay the debt in question for this information to be removed. You do not need to pay a third party for the removal of information at the credit bureau. If the reason is affordability, ensure that you pay your current debt before applying for a new one. Running to unregistered credit providers will be the beginning of your non-ending financial woes, warns Du Plooy.</p>\r\n<p>Consumers should contact the National Credit Regulator for additional information, to lodge a complaint or to report credit providers who keep consumers’ IDs, Bank / SASSA cards at 0860 627 627 or <a href=\"mailto:info@ncr.org.za\">info@ncr.org.za</a>, concludes Du Plooy.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Or</p>\r\n<p align=\"center\">Didi Sebothoma<br /> 064 752 3910<br /> E-mail: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2021-10-21 15:55:40',915,'','2021-10-21 15:56:12',915,0,'0000-00-00 00:00:00','2021-10-21 15:55:40','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,17,'','',1,20922,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(122,279,'Lit Black Friday Vibes – Don’t burn your budget!','lit-black-friday-vibes-don-t-burn-your-budget','<p align=\"right\"><strong>November 2021</strong></p>\r\n<p>Statistics released by the National Credit Regulator (NCR), as at June 2021, revealed that, 61.59% (16.14 million) of the 26.22 million credit active consumers are in good standing, whilst 38.41% (10.07 million) have impaired records. An impaired record is one which a consumer and/or any of the accounts, are either classified as three or more payments or months in arrears, or which has an “adverse listing”, or that reflects a judgment or administration order. The negative impact of COVID-19 over the last two years on consumers’ finances has caused some financial distress. Therefore, sales such as those on Black Friday should be approached cautiously by consumers to avoid reckless spending and borrowing and possible over- indebtedness, says Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.</p>\r\n<p>Given the hype and the alluring advertising by different retailers, consumers are overcome by the temptation to buy the “specials” and benefit from the “deals” on offer. Such deals may blindside the consumer causing unnecessary credit purchases. Du Plooy reminds consumers that credit purchases don’t actually amount to a savings as you have to pay interest and other fees. Remember, unplanned and impulsive buying, especially on credit, may ultimately damage your credit bureau record and lower your credit score. So it is wise to save and plan your spending for Black Friday and festive season sales, she adds.</p>\r\n<p>Consumers intending to buy on credit should do so responsibly. Check and compare prices before the actual day to source the best deals. Before you commit to a credit agreement, check your budget to establish if you will be able to afford repayments. Always request a pre-agreement statement and quotation and know the real cost of credit after interest and all the other fees have been added, she advised.</p>\r\n<p>Tips to stay financially savvy during Black Friday hype:</p>\r\n<ul>\r\n<li>Avoid impulsive buying. If you did not plan for this year, rather save for other upcoming “specials” during and beyond the festive season, this is not the end of the world;</li>\r\n<li>Avoid borrowing from unregistered credit providers to feed your temptations;</li>\r\n<li>Set aside the amount you intend to use during Black Friday. Draw up a budget and stick to it. Shopping lists will help to curb excessive spending and unnecessary purchases;</li>\r\n<li>If you will be applying for a loan, only apply for what you need, do not be tempted to apply for more just because you are told that you qualify for more;</li>\r\n<li>Prioritise your debts – pay off your current debt first before spending money on “wants” and making new debt;</li>\r\n<li>Stop comparing yourself with peers and colleagues, everyone has different affordability and budget so don’t compete;</li>\r\n<li>Develop a culture of saving and try to save a little every month towards some goal;</li>\r\n<li>Always live within your means and not your imagination.</li>\r\n</ul>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Didi Sebothoma: 064 752 3910 <br /> Email: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2021-11-16 13:50:53',915,'','2021-11-16 15:11:36',915,0,'0000-00-00 00:00:00','2021-11-16 13:50:53','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',4,16,'','',1,17620,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(123,280,'The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor','the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor','<p align=\"right\"><strong>November 2021</strong></p>\r\n<p>The National Consumer Tribunal (“Tribunal”) has found Mr. Clark Gardner (“Mr. Gardner”), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (“the Act”) and his conditions of registration as a debt counsellor.</p>\r\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (“NCR”) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to –</p>\r\n<ol>\r\n<li type=\"a\">failing to –\r\n<ul>\r\n<li type=\"i\">make determinations whether consumers are over-indebted;</li>\r\n<li type=\"i\">inform consumers of the consequences of applying for debt review;</li>\r\n<li type=\"i\">update the records of consumers relating to debt review;</li>\r\n<li type=\"i\">notify credit providers and credit bureaus that consumers have applied for debt review; and</li>\r\n<li type=\"i\">perform debt counselling functions personally.</li>\r\n</ul>\r\n</li>\r\n<li type=\"a\">over-charging of fees to consumers who applied for debt review; and receiving payments from consumers who applied for debt review at the commencement of the debt review process;</li>\r\n<li type=\"a\">using misleading and deceptive advertisements offering debt repayment reductions of up to 50% and free debt counselling services when his services were not free.</li>\r\n</ol>\r\n<p>The Tribunal imposed an administrative fine of R500 000.00 on Mr. Gardner.</p>\r\n<p>Furthermore, the Tribunal ordered Mr. Gardner to appoint an independent auditor to audit his consumer files dating back 3 years in order to identify, amongst others, consumers who were overcharged fees by him. The auditors’ report must be given to the NCR once completed, and Mr. Gardner will refund consumers identified by the auditors as having been overcharged.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Or<br /> Didi Sebothoma<br /> 064 752 3910<br /> E-mail: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2021-11-16 15:20:07',915,'','2021-11-16 15:30:31',915,915,'2021-11-16 15:30:31','2021-11-16 15:20:07','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',7,15,'','',1,17530,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(124,281,'Be smart, mind your money, know your rights webinar','be-smart-mind-your-money-know-your-rights','<p align=\"right\"><strong>November 2021</strong></p>\r\n<p>The Department of Trade, Industry and Competition (<strong>the dtic</strong>), together with its agencies, National Credit Regulator (NCR), National Consumer Commission (NCC) and Proudly South African (PSA) will be hosting a joint webinar aimed at educating consumers about their rights and responsibilities whenever making purchases. The webinar comes at a time when consumers are facing considerable financial challenges due to the COVID-19 pandemic. The webinar will take place tomorrow, Thursday, 25 November 2021 from 10:00-12:00.</p>\r\n<p>The Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina says that the webinar comes at a most critical period in the year when consumers are bombarded with offerings that purport to offer bargain deals.</p>\r\n<p>“It is of the utmost importance that we alert consumers on the possible pitfalls they might find themselves in should they not make wise spending decisions. The key principle this season is to ensure that you make your limited funds go a long way and steer clear of offers that seem too good to be true, because more often than not, they exactly are what your instincts say they are,” says Gina.</p>\r\n<p>The CEO of the National Credit Regulator, Nomsa Motshegare advised consumers who will be taking part in this year’s Black Friday and festive season spending to draft a budget, know your limits and only spend what you can afford to pay back.</p>\r\n<p>She also reminded consumers that cash is king, especially for purchasing consumables such as food, clothing, airtime, data and entertainment. Remember, credit comes with interest and other fees such as monthly service fees, once off initiation fees, credit life insurance. Therefore you will end up paying more at the end.</p>\r\n<p> </p>\r\n<p>The CEO of Proudly South African, Mr Eustace Mashimbye says: “It is important that we manage our finances according to our means. Spending wisely includes making sure that we select locally manufactured and produced goods and services which assist in economic growth and job creation. Buying ‘local’ increases the chances of companies employing more people and more jobs mean more money in the pockets of consumers.”</p>\r\n<p>The Acting Commissioner of the National Consumer Commission, Ms Thezi Mabuza urges consumers to demand goods that are of good quality, in good order and are free of any defects.</p>\r\n<p>“The goods must be usable and durable for a reasonable period of time. If you suspect that goods received or upon collection might have defects, do not take delivery. I want to remind consumers to also exercise caution when buying online as they might be transacting with scammers masquerading as legit businesses. Always try to use reputable suppliers where possible”, she adds.</p>\r\n<p>All the stakeholders seek to encourage consumers to participate and acquire sound knowledge that will assist in managing their finances during Black Friday and festive season.</p>\r\n<p>Invitation link: <a href=\"http://tc-mxscan-01.trevenna.net:32224/?dmVyPTEuMDAxJiYyMjE3ZjJmZWI1ZjFkZjZmZj02MTk2MTExNl8zMzYwNF8yMDA2XzEmJmEyNTU0Yzc1OWIwZDIwMD0xMjIyJiZ1cmw9aHR0cHMlM0ElMkYlMkZ6b29tJTJFdXMlMkZ3ZWJpbmFyJTJGcmVnaXN0ZXIlMkZXTiU1RjNCcDJGYTh5USU1RjJ6UWtHOUhPRlhXZw==\">https://zoom.us/webinar/register/WN_3Bp2Fa8yQ_2zQkG9HOFXWg</a></p>\r\n<p align=\"center\">Enquiries:<br /> Bongani Lukhele – Director: Media Relations<br /> Tel: (012) 394 1643<br /> Mobile: 079 5083 457<br /> WhatsApp: 074 2998 512<br /> E-mail: <a href=\"mailto:BLukhele@thedtic.gov.za\"> BLukhele@thedtic.gov.za</a><br /> Issued by: The Department of Trade, Industry and Competition (<strong>the dtic</strong>)<br /> Follow us on Twitter: @the_dti</p>','',1,8,'2021-11-24 15:19:35',915,'','2021-11-24 16:40:46',915,0,'0000-00-00 00:00:00','2021-11-24 15:19:35','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',5,14,'','',1,18867,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(125,282,'Consumers are encouraged to borrow wisely and start saving','consumers-are-encouraged-to-borrow-wisely-and-start-saving','<p align=\"right\"><strong>January 2022</strong></p>\r\n<p>The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year’s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers who did not plan properly with nothing. Some of these consumers will be approaching credit providers in order to borrow money to get by for the month, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.</p>\r\n<p>If you are going to get a loan this January to assist you to keep afloat until the next pay day, do so responsibly, says Du Plooy. Tips for responsible borrowing:</p>\r\n<ul>\r\n<li>Prepare a budget to see how much you can afford in terms of repayments and to track all your monthly costs;</li>\r\n<li>Remember the repo rate was increased in November 2021 increasing interest rates, take that into consideration when you apply for credit;</li>\r\n<li>Only use credit providers registered with the National Credit Regulator;</li>\r\n<li>Get a quotation and pre-agreement statement – these outline the cost of credit and terms and conditions of the credit agreement you will be signing;</li>\r\n<li>Understand the total cost of credit outlined in the quotation which includes interest, monthly service fees, one-off initiation fees, credit life insurance etc;</li>\r\n<li>Do not take on additional credit just because they say you qualify for more;</li>\r\n<li>Do not take out credit for other people as the risk of non-payment will fall on you;</li>\r\n<li>Start saving now!</li>\r\n<li>Avoid credit providers that say “Blacklisted consumers welcome, No credit checks etc”;</li>\r\n<li>Avoid credit providers that require you to pay an upfront payment before they give you the loan;</li>\r\n<li>Avoid credit providers that require you to leave your cards, ID and PINs with them;</li>\r\n<li>Avoid credit providers that offer you a ridiculously low interest rate, if it too good to be true, it usually is.</li>\r\n</ul>\r\n<p>Remember, if you take out a loan and do not repay it as agreed in the credit agreement, this will adversely affect your credit report. The devastating effects of such adverse listings on credit profiles are that they restrict your chances of qualifying for credit in the future and/or accessing certain jobs where a candidate is considered for employment in a position that requires honesty in dealing with cash or finances.</p>\r\n<p>When applying for a loan, it is important for consumers to truthfully disclose all their expenses. This will enable credit providers to conduct an affordability assessment on the consumer’s ability to repay the loan. “If you fail to truthfully disclose all expenses, you will lose the protection offered by the National Credit Act. In some situations, unscrupulous agents will encourage consumers not to truthfully disclose expenses in order to enhance their chance of qualifying for credit application,” cautions Ms. Du Plooy.</p>\r\n<p>Consumers who require additional information on borrowing wisely or a list of registered credit providers can log on to <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a> or contact our call centre on 0860 627 627.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a><br /> Or <br />Didi Sebothoma<br /> 064 752 3910<br /> E-mail: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2022-01-13 12:44:37',915,'','2022-01-13 12:45:36',915,0,'0000-00-00 00:00:00','2022-01-13 12:44:37','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,13,'','',1,18647,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(126,283,'Consumer rights in the digital world','consumer-rights-in-the-digital-world','<p align=\"right\"><strong>March 2022</strong></p>\r\n<p>On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted “#BetterDigitalWorld” as its theme. The NCR together with the Consumer Protection Forum will be using the “Sustainable Consumer” theme. This theme will be aligned to the South African Government one in the context of better and safer online and digital interactions.</p>\r\n<p>“With digital technologies reshaping the financial landscape and making all financial transactions, including credit, convenient, simpler and more accessible to consumers, new threats to consumer credit rights in the digital and online space have emerged which can leave consumers vulnerable,” says Ms. Boitumelo Geldenhuis, Acting Manager: Education and Communication at the NCR.</p>\r\n<p>The COVID-19 pandemic has definitely impacted on the finances of most consumers causing economic hardship and creating desperation, making them more susceptible to taking credit in one form or another. “In celebrating WCRD this year, the NCR wants to ensure that all consumers performing credit transactions online do so in an informed and safe manner, protecting not only their rights and information, but also making these transactions smart and sustainable,” added Ms. Geldenhuis.</p>\r\n<p>To ensure that your online and credit transactions are safe, smart and sustainable the NCR is urging consumers to follow the following:</p>\r\n<ul>\r\n<li>Always verify if the credit provider is registered with the NCR by checking their NCRCP</li>\r\nnumber against the one which appears on the NCR website (www.ncr.org.za ) to ensure that the registration number belongs to that credit provider. Alternatively, you can call the NCR on 0860 627 627 to verify for you;\r\n<li>Beware of fake credit providers when transacting online;</li>\r\n<li>Know the full cost of credit you are being offered or applying for by requesting a preagreement</li>\r\nstatement and quotation before committing or signing any credit agreement;\r\n<li>Beware of deceptive credit advertisements such as “no credit checks”, “blacklisted</li>\r\nwelcome”, “free credit”;\r\n<li>Beware of credit providers asking for “upfront fees” before they give you the actual loan.</li>\r\nNever pay any upfront fees;\r\n<li>Pay careful attention to “Terms &amp; Conditions” – click and read, do not accept without</li>\r\nunderstanding;\r\n<li>When you apply for debt counselling, ensure that you understand what you are getting</li>\r\nyourself into, before agreeing to anything;\r\n<li>Only use a registered debt counsellor that is situated close to where you work or live;</li>\r\nand\r\n<li>Remember the golden rule “If it seems too good to be true, it probably is!”</li>\r\n</ul>\r\n<p>“Being a “Sustainable Consumer” in the digital era means that you need to be informed of your rights and make smart choices with the information that you consume. Remember even when you transact online, you still have rights and responsibilities as per the National Credit Act. Also, take note that the NCR conducts educational workshops for consumers throughout the country, if you require one, you may contact the NCR on workshops@ncr.org.za” concludes Ms. Geldenhuis.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a><br /> Or<br /> Didi Sebothoma<br /> 064 752 3910<br /> E-mail: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a><br /> Website: <a href=\"https://www.ncr.org.za/\">www.ncr.org.za</a></p>','',1,8,'2022-03-15 14:44:26',915,'','2022-03-15 14:47:33',915,0,'0000-00-00 00:00:00','2022-03-15 14:44:26','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,12,'','',1,18871,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(127,284,'Misleading advertising on Social Media platforms regarding debt counselling','misleading-advertising-on-social-media-platforms-regarding-debt-counselling','<p align=\"right\"><strong>March 2022</strong></p>\r\n<p>The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers. This press release is intended to warn consumers against such advertising practices and request consumers to report these practices to the NCR.</p>\r\n<p>Advocate (Adv.) Kedilatile Legodi, the Manager of the NCR Debt Counselling Department says that “in recent times, there has been a surge in advertising for “debt review removals” and some consumers are charged in the excess of R8000 to have his/her debt review flag removed”. Consumers are warned that this “debt review removal” is not supported by law. In a recent High Court Judgment, delivered by three High Court Judges, the Court stated that debt review removal is not possible for consumers who have been declared over indebted, and that consumers need to pay up all debt, except where a bond is not in arrears, to be removed from debt review. Where a consumer has a debt review court order, no Court, not even the High Court can rescind such judgment.</p>\r\n<p>Adv. Legodi further requests consumers to access the NCR Withdrawal Guidelines issued in 2021, from the NCR’s website, which clearly state the circumstances under which a consumer can exit debt review. “If any company offers a service contrary to the provisions of the NCR Withdrawal Guidelines, even attorneys, consumers are running a risk of paying for a service that has no prospect of success without any recourse against persons not registered with the NCR”. Adv. Legodi warns that “before any consumer pays for such services, consumers they are urged to make contact with the NCR, or access the website to verify the registration status of such a person offering the service.”</p>\r\n<p>In addition, Adv. Legodi noted the unlawful practice of consumers being contacted telephonically by “NCR Agents” to discuss his/her debt review status, or debt review flag removal. “The NCR does not have any personal information of consumers and will at no stage contact a consumer to discuss his/her debt review status” she warns. “Consumers are requested to report these “NCR Agents” to the NCR Complaints Department at <a href=\"mailto:complaints@ncr.org.za\">complaints@ncr.org.za</a> / 0860 627 627 and not be scammed by these practices.”</p>\r\n<p>It has further been noted that there are companies that advertise that they work with the NCR to investigate debt counsellors. Adv. Legodi informed that “the NCR has the exclusive mandate under law to perform an investigation into registrants, and cannot outsource such mandate to any outside company. Consumers are urged to request an official Inspector Certificate issued by the NCR from such companies prior to engaging with them. If such Inspector Certificate cannot not be produced, consumers are requested to report such companies to the NCR’s Complaints Department.”</p>\r\n<p>The NCR further noted the prevalence of advertising, especially on social media platforms such as Facebook, Tumblr and Instagram of claims that debt counsellors can:</p>\r\n<ul>\r\n<li>Get debt written off by credit providers;</li>\r\n<li>Payment of a large amount of debt in a very short period of time;</li>\r\n<li>Government approved method to get debt written off;</li>\r\n<li>Government approved debt relief for over 30’s / 40’s / 50’s / 60’s (Bait marketing);</li>\r\n<li>Pictures of senior government officials advertising debt relief; and</li>\r\n<li>Save consumers 63% / 60% / 55% / 43% on debt repayments.</li>\r\n</ul>\r\n<p>Adv. Legodi warns that “if it is too good to be true, it probably is”. She explains that “debt relief measures under the National Credit Act (NCA) are intended to repay all debt to credit providers with certain interest concessions and extended terms to facilitate relief to consumers. It is not a savings plan or magic trick to let debt disappear Consumers remain responsible for debt repayments and there are no provisions in the NCA or the Regulations that can facilitate the claims made in these advertisements. “Don’t be fooled or scammed by such unlawful and false advertising”.</p>\r\n<p>Consumers should not trust any advertising that do not contain the NCR registration number of the debt counsellor. “If the debt counsellor is not clearly identified in the advertising, how can a consumer verify the identity and status of the debt counsellor, or the validity of the service”, explains Adv. Legodi. Therefore, consumers should be vigilant and report any advertising to the NCR where the advertiser cannot be identified. Consumers should also keep in mind that no person, not even attorneys can provide the services of a debt counsellor, if they are not registered to do so. “Always ask for the NCR registration number before engaging with any person, even attorneys who claims to be a debt counsellor or to provide any service surrounding your credit agreements” Adv. Legodi warns. </p>\r\n<p>Finally, consumers must be made aware that it is unlawful for debt counsellors to receive any payments of money directly from consumers. Adv. Legodi explains that “Regulation 11 of the NCA clearly prohibit debt counsellors from taking any money from consumers and can be deregistered for doing so. Consumers are requested to report to the NCR if the debt counsellor request payment of any monies to them directly.”</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong> <br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong> <br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Or <br /> Didi Sebothoma <br /> 064 752 3910<br /> E-mail: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2022-04-05 11:08:34',915,'','2022-04-05 11:08:48',915,0,'0000-00-00 00:00:00','2022-04-05 11:08:34','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,11,'','',1,21668,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(128,285,'Keep your credit bureau record clean regardless of the rising cost of living','keep-your-credit-bureau-record-clean-regardless-of-the-rising-cost-of-living','<p align=\"right\"><strong>June 2022</strong></p>\r\n<p>Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full in order to maintain a good credit bureau record. The youth are also encouraged to regularly check their credit bureau reports. Checking credit bureau reports enables consumers to spot any incorrect information and/or fraudulent transactions, thus providing them with an opportunity to remedy the situation. Ms. Poppy Kweyama, Manager: Education and Communication Department at the NCR, said knowing what is contained in one’s credit report gives consumers an opportunity to improve their credit reports.</p>\r\n<p>All consumer credit information held by credit bureaus must be accurate. Incorrect credit information can adversely affect a consumer’s chances of acquiring credit or a job where a company is considering a candidate for employment in a position that requires honesty in dealing with cash or finances. “Hence, it is very important to dispute incorrect information before it affects you adversely,” she advised.</p>\r\n<p>In terms of the National Credit Act, every consumer has a right to challenge the accuracy of their information held by the credit bureaus free of charge. If a consumer has challenged the accuracy of the information, credit bureaus must take reasonable steps to seek evidence in support of the challenged information.  Credit bureaus have 20 business days to do that. “Should the credit provider and/or service provider fail to prove the listing within the 20 business days, then the credit bureau must remove the disputed information from the consumer’s credit profile”, said Ms. Kweyama. <br /> It is very important for consumers to know that inaccurate credit information will stay on the consumer’s credit profile, until rectified or until its retention period finishes. A retention period relates to the length of time that a credit bureau can retain consumer’s information on their credit report. However, consumers should not waste time disputing accurate credit information, knowing very well that they skipped payments or short paid the account.</p>\r\n<p>Consumers are entitled to one free credit report once a year as per the National Credit Act, advised Ms. Kweyama. The National Credit Regulator would like to see more consumers requesting their credit reports from credit bureaus because currently the numbers of those requesting their credit reports are low. According to the Credit Bureau Monitor from the NCR, as at the end of December 2021, credit bureaus held records of 26, 38 million credit active consumers. Out of this total, only 648 280 credit reports were issued. From this total, 35 919 consumers lodged disputes in respect of the accuracy of information held by the credit bureaus. More disputes were resolved in favour of the complainants.</p>\r\n<p>In order to clarify a lingering perception out there, credit bureaus do not decide whether or not to extend credit to consumers.  Credit bureaus are organisations that specialise in creating consumer credit profiles based on information received from a person who supplies goods, services or utilities to consumers, whether for cash or on credit, an organ of state, court, judicial officer and a person providing long term or short term insurance. They keep valuable information about consumers’ recent and past accounts, payment history, defaults, judgments, trace alerts, collections and enquiries.  </p>\r\n<p>Often consumers ask how long their information will be reflected at the credit bureaus. It is important to note that in terms of the National Credit Act, there are different retention periods for consumer credit information held by the credit bureaus. Below is a table on the different retention periods: </p>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<table border=\"1\" width=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td valign=\"top\" width=\"127\">\r\n<p align=\"center\"><strong>Category</strong></p>\r\n</td>\r\n<td valign=\"top\" width=\"383\">\r\n<p align=\"center\"><strong>Description</strong></p>\r\n</td>\r\n<td valign=\"top\" width=\"198\">\r\n<p align=\"center\"><strong>Time kept</strong></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Details and results of complaints</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>Number and nature of complaints lodged and whether a complaint was rejected; no information will be displayed on complaints that were upheld<br /> Note: WinCredit does not display this information</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>6 months</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Enquiries</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>Number of enquiries made on a consumer’s record, including the name of the entity/person who made the enquiry and a contact person if available</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>1 year</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Payment profile</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>Factual information pertaining to the payment profile of the consumer<br /> Note: WinCredit does not display this information</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>5 years</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Adverse classification of enforcement action</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>Classification related to enforcement action taken by a credit provider</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>1 year or within the prescribed period in section 71A</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Adverse classification of consumer behaviour</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>Subjective classification of consumer behaviour</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>1 year or within the prescribed period in section 71A</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Debt restructuring</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>As per section 86 of the Act, an order given by the court or tribunal</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Civil court judgments</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>Civil court judgments including default judgments</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>The earlier of 5 years or until the judgment is rescinded by a court or abandoned by the credit provider in terms of section 86 of Magistrates’ Court Act 32 of 1944 or within the period prescribed in section 71A of the Act</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Maintenance judgments in terms of the Maintenance Act</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>As per court judgment</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>Until the judgment is rescinded by a court</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Sequestration</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>As per the court order</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>5 years or until rehabilitation order is granted</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Rehabilitation</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>As per the court order</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>5 years</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Administration order</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>As per the court order</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>5 years or until order is rescinded by a court</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Liquidation</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>–</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>Removed - delete</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"19\">\r\n<p> </p>\r\n</td>\r\n<td width=\"127\">\r\n<p><strong>Other information</strong></p>\r\n</td>\r\n<td width=\"383\">\r\n<p>–</p>\r\n</td>\r\n<td width=\"198\">\r\n<p>Removed - delete</p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p>In conclusion, Ms. Kweyama advised the youth about the importance of maintaining a good / healthy credit report as this shows credit / service providers that you are making payments as per your credit agreements, depicting you as trustworthy for prospective credit/ service providers and employers.</p>\r\n<p><strong>Below are c</strong><strong>redit bureau and other important contact details:</strong></p>\r\n<table border=\"1\" width=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td valign=\"top\" width=\"104\"><br /> <strong>Experian</strong></td>\r\n<td valign=\"top\" width=\"132\">\r\n<p>(011) 799-3400/ 0861 105 665</p>\r\n</td>\r\n<td valign=\"top\" width=\"234\">\r\n<p><a href=\"http://www.experian.co.za/\">www.experian.co.za</a></p>\r\n</td>\r\n<td valign=\"top\" width=\"220\">\r\n<p><a href=\"mailto:consumer@creditexpert.co.za\">consumer@creditexpert.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"104\">\r\n<p><strong>TransUnion </strong></p>\r\n</td>\r\n<td valign=\"top\" width=\"132\">\r\n<p>0861 886 466</p>\r\n</td>\r\n<td valign=\"top\" width=\"234\">\r\n<p><a href=\"http://www.transunion.co.za/\">www.transunion.co.za</a></p>\r\n</td>\r\n<td valign=\"top\" width=\"220\">\r\n<p><a href=\"mailto:webadmin@transunion.co.za\">webadmin@transunion.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"104\">\r\n<p><strong>XDS</strong></p>\r\n</td>\r\n<td valign=\"top\" width=\"132\">\r\n<p>0860 937 000<br /> (011) 645-9100</p>\r\n</td>\r\n<td valign=\"top\" width=\"234\">\r\n<p><a href=\"http://www.xds.co.za/\">www.xds.co.za</a></p>\r\n</td>\r\n<td valign=\"top\" width=\"220\">\r\n<p><a href=\"mailto:info@xds.co.za\">info@xds.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"104\">\r\n<p><strong>Consumer Profile Bureau      </strong></p>\r\n</td>\r\n<td valign=\"top\" width=\"132\">\r\n<p>(010) 590-9505        </p>\r\n</td>\r\n<td valign=\"top\" width=\"234\">\r\n<p><a href=\"http://www.consumerprofilebureau.com\">www.consumerprofilebureau.com</a></p>\r\n</td>\r\n<td valign=\"top\" width=\"220\">\r\n<p><a href=\"mailto:support@cpbonline.co.za\">support@cpbonline.co.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"4\" valign=\"top\" width=\"690\">\r\n<p> </p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"104\">\r\n<p><strong>Credit Ombud</strong></p>\r\n</td>\r\n<td valign=\"top\" width=\"132\">\r\n<p>0861 662 837</p>\r\n</td>\r\n<td valign=\"top\" width=\"234\">\r\n<p><a href=\"http://www.creditombud.org.za\">www.creditombud.org.za</a></p>\r\n</td>\r\n<td valign=\"top\" width=\"220\">\r\n<p><a href=\"mailto:ombud@creditombud.org.za\">ombud@creditombud.org.za</a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td valign=\"top\" width=\"104\">\r\n<p><strong>National Credit Regulator</strong></p>\r\n</td>\r\n<td valign=\"top\" width=\"132\">\r\n<p>0860 627 627</p>\r\n</td>\r\n<td valign=\"top\" width=\"234\">\r\n<p>www.ncr.org.za</p>\r\n</td>\r\n<td valign=\"top\" width=\"220\">\r\n<p>info@ncr.org.za</p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p align=\"center\"><strong>Ends</strong>     </p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Or<br /> Didi Sebothoma<br /> 064 752 3910<br /> E-mail: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2022-07-01 14:42:22',915,'','2022-07-01 14:42:42',915,915,'2022-07-10 12:37:07','2022-07-01 14:42:22','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,10,'','',1,16935,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(129,286,'Debt counselling-a debt relief measure for over-indebted consumers ','debt-counselling-a-debt-relief-measure-for-over-indebted-consumers','<p align=\"right\"><strong> August 2022</strong></p>\r\n<p>Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his/her income is not sufficient to cover all his/her living expenses and debt repayments. Various circumstances such as job loss, reduction of income, sickness, death, rising cost of living (petrol hikes, increase in food prices, electricity, etc.) and others are often the main contributors for consumer over-indebtedness. Consumers who are experiencing financial distress should not ignore their debt obligations, they need to approach credit providers and communicate their financial position and negotiate reasonable repayment options. If this attempt fails, consumers are encouraged to consider debt counselling and approach a registered debt counsellor who will on their behalf negotiate reasonable repayment terms informed by what the consumer can afford with the credit providers, says Adv. Kedilatile Legodi, Manager: Debt Counselling at the National Credit Regulator(NCR).</p>\r\n<p>The concept of debt counselling is often misunderstood by many, as a result consumers miss out on the benefits and the protection that debt counselling offer. In addition, there is a high number of false and misleading debt counselling marketing practices noted by the NCR either online, social media or telephonic with the sole intent of exploiting unsuspecting and financially distressed consumers. Some of these marketing practices, promise a certain percentage of debt reduction (even prior to a financial assessment), savings or consolidation. If it sounds too good to be true, it probably is, warns Adv. Legodi.</p>\r\n<p>Consumers are advised to be aware of false and misleading practices and to not fall victim particularly if approached. Understanding the debt counselling process from end to end, the consequences, the applicable fees charged, when, where and how to pay such fees, the various steps of the process, the prescribed timelines, the provisions to exit debt counselling and others are important elements that the consumer must ensure knowledge of before signing on the dotted line.</p>\r\n<p>Debt counselling is only conducted by a debt counsellor registered with the NCR. In terms of the National Credit Act, debt counsellors are registered as individuals and not as a juristic person/company. Therefore, a financially distressed consumer seeking the services of a debt counsellor, must ensure that he/she knows the full details of the debt counsellor offering to assist. This includes the debt counsellors name and surname, place of practice and the NCR registration number which is issued upon registration by the NCR. Even if the debt counsellor is operating using a business/trading name, the consumer has a right to be provided this information. To verify the registration of a debt counsellor with the NCR, please visit <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a> or send an email to <a href=\"mailto:info@ncr.org.za\">info@ncr.org.za</a>.</p>\r\n<p>Adv. Legodi further provides clarity on the question that often comes up, when is a consumer under debt counselling? A consumer is considered to be under debt counselling when he/she has applied for debt counselling in a prescribed manner as set out in the National Credit Act. A duly completed and signed application form (referred to as Form 16) or a clear record of when the consumer furnished all information/documentation to the debt counsellor is used to prove that a consumer is under debt counselling. It is for this reason, that consumers are advised to ensure understanding of the debt counselling process before finalisation of the application. Consumers should not succumb to the pressure of signing the application if unsure. For a detailed explanation of the debt counselling process, consumers are advised to visit the NCR website at <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a> .</p>\r\n<p>Some important factors to consider:</p>\r\n<ul>\r\n<li>There is a difference between debt counselling and debt consolidation. Debt consolidation offers the consumer one loan to pay off all debts. This will result in the reduction of the consumer’s multiple payments into one single monthly payment to the credit provider that has granted the consolidation loan.</li>\r\n<li>If approached and offered debt counselling, insist on getting clarity from the caller regarding their source of information or where they received your contact details and do your homework first before you commit to what is being offered.</li>\r\n<li>Debt counselling does not cancel debt, it helps consumers to make reduced payments using disposable income and without having to borrow more money.</li>\r\n<li>If under debt counselling you will be paying reduced amounts, as a result the repayment period of your debt may increase and you will take longer to pay off your debts. However, you will still enjoy the legal protection against enforcement of debt by credit providers as long as you continue making payments as agreed.</li>\r\n<li>Debt counselling is not a savings plan, it is a measure intended to provide relief for over-indebted consumers. Anyone saying even if you are not over-indebted you can apply, please note that this is misleading and do not do any business with such an individual, they do not have your best intentions at heart.</li>\r\n<li>When under debt counselling, you cannot apply for further credit until you have repaid your debts and have been issued with a clearance certificate.</li>\r\n<li>If you apply for debt counselling, a debt counselling flag/indicator will be displayed on your credit profile at the credit bureau until a clearance certificate is issued by the debt counsellor.</li>\r\n<li>If you are married in community of property, you must jointly apply for debt counselling with your spouse.</li>\r\n<li>Debt counselling is not a free service–visit the NCR website on <a href=\"documents/debt%20counselling%20fee%20structure%20guideline.pdf\">the debt counselling fee guidelines 2018</a>  for a fee guideline and request a written disclosure of applicable fees prior to applying for debt counselling from your debt counsellor.</li>\r\n<li>Do not give/pay the debt counsellor money to pay your credit providers. You can either pay your credit providers directly or use a Payment Distribution Agent.</li>\r\n<li>If your debt counsellor is un-contactable, please contact the NCR immediately for assistance.</li>\r\n</ul>\r\n<p> </p>\r\n<p>If consumers wish to lodge a complaint against a debt counsellor, credit provider, credit bureaus or a payment distribution agent they may send the complaint to <a href=\"mailto:complaints@ncr.org.za\">complaints@ncr.org.za</a>. To get a list of registered debt counsellors operating closer to work or residential area, consumers are advised to visit <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a>. Given the current economic climate, many consumers will undoubtedly find it difficult to cope and manage contractual repayments, please do not despair, be proactive, do not be pressurized, address your financial hardships by seeking more information on the debt counselling process and gain a thorough understanding because an informed consumer is a protected one, concludes Adv. Legodi.</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information, contact:</strong><br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Or<br /> Didi Sebothoma<br /> 064 752 3910<br /> E-mail: Didi Sebothoma:<br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2022-08-10 12:50:16',915,'','2022-08-10 13:01:35',915,915,'2022-08-10 13:01:35','2022-08-10 12:50:16','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,9,'','',1,27830,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(130,287,'MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences','msr-financial-solutions-pty-ltd-and-other-credit-providers-flout-the-national-credit-act-and-deals-with-the-consequences','<p align=\"right\"><strong>May 2022</strong></p>\r\n<p>The National Credit Regulator welcomes the judgement that was handed down by the National Consumer Tribunal (Tribunal) against MSR Financial Solutions (Pty) Ltd previously known as Major Authorised Debt Mediation (Pty) Ltd which entity is conducting its business in Bloemfontein, Free State region. This judgement follows an investigation by the National Credit Regulator into the conduct of the aforementioned entity. The investigation revealed that the entity was acting in a manner contrary to the provisions of the National Credit Act. “The National Credit Regulator subsequently referred an application to the Tribunal”, says Ms. Nomsa Motshegare, CEO of the National Credit Regulator.</p>\r\n<p>The National Credit Regulator’s investigation revealed that MSR Financial Solutions (Pty) Ltd previously known as Major Authorised Debt Mediation (Pty) Ltd informed to provide alternative dispute resolution services whilst it was not registered as an Alternative Dispute Resolution Agent with the National Credit Regulator. Motshegare explains that in terms of the National Credit Act, an entity providing the services of an Alternative Dispute Resolution Agent must register with the National Credit Regulator.</p>\r\n<p>“MSR Financial Solutions (Pty) Ltd previously known as Major Authorised Debt Mediation (Pty) Ltd also displayed the National Credit Regulator’s logo on its advertisements which gave the impression that the National Credit Regulator condoned its business practices which was never the case”, says Motshegare. “The services offered went beyond the scope of an Alternative Dispute Resolution Agents’ services and was akin to the services provided by a debt counsellor and a payment distribution agency”, adds Motshegare.  Consumers were effectively paying fees for an unlawful service and/or a service which they did not even receive. “The aforesaid conduct was found to be a serious prohibition and a contravention of Section 134A read with Section 1 and Regulation 10B of the Act” adds Motshegare.</p>\r\n<p>Furthermore to this, the entity was found to have contravened Section 44(2), 3(g) and Section 126A and 126(3) of the National Credit Act. The Tribunal imposed an administrative fine against the entity in the amount of R50 000.00 and amongst other orders ordered the entity to refund fees and costs to consumers.</p>\r\n<p>Motshegare alerts consumers of the aforesaid conduct observed within the credit market. It is imperative that consumers ensure that the entities they approach for Alternative Dispute Resolution services are in fact registered with the National Credit Regulator to provide such services. She also stressed that only a registered debt counsellor can make a determination of over-indebtedness. This clearly means that consumers should check if a person declaring them to be over-indebted is indeed registered with the National Credit Regulator by checking on the website <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a> or alternatively to call 0860 627 627.</p>\r\n<p>In other matters, the National Credit Regulator investigated and referred the following entities to the National Consumer Tribunal. The following credit providers were deregistered for committing various contraventions of the National Credit Act:</p>\r\n<ul>\r\n<li><strong>TITUSG TRADERS (PTY) LTD -</strong> a registered Credit Provider with registration number NCRCP9727 having its registered place of business at 2 Coleskop street, Rosedale, Upington, Northern Cape.</li>\r\n<li><strong>PANGOLIN LOANS (PTY) LTD</strong>, a registered Credit Provider with registration number NCRCP12222 having its registered place of business at Corso Building, Stand no 777 Luphisi, Sibuyile, Mpumalanga 1218.</li>\r\n<li><strong>DLAMINI ZAK ENTERPRISES (PTY) LTD</strong>, a registered Credit Provider with registration number NCRCP11532 having its registered place of business at 3097 Luvuyo Street, Kanana Extension 5, Rabie Ridge, Halfway House, Gauteng. </li>\r\n</ul>\r\n<p>Motshegare warns entities that are flouting the National Credit Act against such conduct as the National Credit Regulator will not hesitate to take action against such entities.</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Or<br /> Didi Sebothoma<br /> 064 752 3910<br /> E-mail: Didi Sebothoma: Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2022-09-13 11:21:35',915,'','2022-09-13 11:22:11',915,0,'0000-00-00 00:00:00','2022-09-13 11:21:35','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,8,'','',1,24937,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(131,288,'Credit extension marginally slows down ','credit-extension-marginally-slows-down','<p align=\"right\"><strong>October 2022</strong></p>\r\n<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted by the registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information from April 2022 to June 2022. The total value of new credit granted decreased by 1.13% quarter-on-quarter from R159.16 billion to R157.37 billion. The number of credit agreements entered into increased by 4.68% quarter-on-quarter from 3.83 million to 4.01 million.<br /> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2022:</p>\r\n<ul>\r\n<li>The value of new mortgages granted increased by R1.80 billion (3.22%) quarter-on-quarter and by R916.13 million (1.62%) year-on-year.</li>\r\n<li>Secured credit which is dominated by vehicle finance, decreased by R2.27 billion (4.78%) quarter-on-quarter, and increased by R1.96 billion (4.55%) year-on-year.</li>\r\n<li>Credit facilities decreased by R441.79 million (1.79%) quarter-on-quarter and increased by R3.43 billion (16.47%) year-on year.</li>\r\n<li>Unsecured credit increased by R292.42 million (1.10%) quarter-on-quarter and by R4.53 billion (20.18%) year-on-year.</li>\r\n</ul>\r\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2022 was R2.19 trillion, representing an increase of 1.13% quarter-on-quarter and of 6.35% year-on-year. The trends for outstanding balances for the quarter ended June 2022 were as follows:</p>\r\n<ul>\r\n<li>Mortgages debtors book increased by R18.00 billion (1.60%) quarter–on-quarter and by R82.19 billion (7.75%) year-on-year.</li>\r\n<li>Secured credit debtors book increased by R1.08 billion (0.23%) quarter-on-quarter and by R20.31 billion (4.42%) year-on-year.</li>\r\n<li>Credit facilities debtors book increased by R3.67 billion (1.30%) quarter-on-quarter and by R20.71 billion (7.79%) year-on-year.</li>\r\n<li>Unsecured credit debtors book increased by R2.30 billion (1.07%) quarter-on-quarter and by R6.13 billion (2.92%) year-on-year.</li>\r\n</ul>\r\n<p>Credit bureaus held records for 26.52 million credit-active consumers, which showed an increase of 0.15% when compared to the 26.48 million in the previous quarter. Consumers classified in good standing increased by 197,993 to 16.63 million consumers. This amounts to 62.73% of the total number of credit-active consumers. The number of credit-active accounts increased from 84.73 million to 85.49 million in the quarter ended June 2022. The number of impaired accounts has decreased from 19.59 million (23.12%) to 19.26 million (22.53%) in June 2022, a decrease of 327,075 quarter-on-quarter and 598,021 year-on-year. <br /> Consumers are encouraged to exercise their consumer rights by getting their free credit reports from the registered credit bureaus. A credit report will outline the consumer’s debt and other financial obligations, thus making it easier to draft a budget and work towards the settlement of their debt, thereby improving the state of their credit reports and saving. Consumers who are experiencing financial difficulties and are battling with their debt repayments, should contact their credit providers for assistance. Avoiding credit providers when in distress is not a solution. In worst cases, the assistance of a registered debt counsellor must be sought. Debt counselling was introduced to assist consumers who are over-indebted, advised Nomsa Motshegare, CEO of the NCR.</p>\r\n<p><strong><em>Comparisons in this release- ‘quarter-on-quarter’ refers to a comparison between the March 2022 and June 2022 quarters, and ‘year-on-year’ refers to a comparison between the June 2021 and June 2022</em></strong><strong>.</strong></p>\r\n<p align=\"center\"><strong>ENDS</strong> </p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Or</p>\r\n<p align=\"center\">Didi Sebothoma<br /> 064 752 3910<br /> E-mail: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2022-10-05 15:33:47',915,'','2022-10-05 15:33:47',0,915,'2022-10-05 15:33:47','2022-10-05 15:33:47','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,7,'','',1,23227,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(132,289,'Don’t let Black Friday lead to a Blacklisting! ','don-t-let-black-friday-lead-to-a-blacklisting','<p align=\"right\"><strong>November 2022</strong></p>\r\n<p>While South African household incomes are tightly squeezed by high interest rates and the ever rising cost of living, many consumers are still looking forward to bag a bargain with Black Friday sales and discounts. Since 2019, Black Friday has become staggeringly popular in South Africa with retailers slashing prices items instore as well as online. However, it is very important for consumers to avoid the hype generated around Black Friday and it does not necessarily mean that every item on sale is a Black Friday bargain.</p>\r\n<p>Education and Communication Manager at the National Credit Regulator (NCR), Ms Poppy Kweyama said, “Although it may make sense to take advantage of Black Friday sales and discounts to save money, beware that unplanned purchases driven by excitement, impulse buying and the fear of missing on bargains sometimes make it much more tempting to buy on credit when you haven’t budgeted and don’t have cash. Irresponsible use of credit is not only expensive, but risky as well. If one takes into account the interest and fees on the credit – it makes the purchase more expensive, so you are not actually saving any money. Taking credit unnecessarily also becomes risky when you are unable to pay back the debt and default on the credit agreement. Don’t let Black Friday lead to a blacklisting.”</p>\r\n<p>Ms Kweyama added, “Buying on credit may be a convenient way of accessing goods and services that you want right now, but sometimes it is worth waiting until your personal finances improve and you can save towards the purchase. Black Friday does not mean you must buy. Some items will be available on sale and discounts at other times or during or after the festive season.” </p>\r\n<p>In addition, she also gave practical tips on how to avoid being a victim of the Black Friday hype:</p>\r\n<ul>\r\n<li>Do your research: Once you know exactly what you want to buy, compare different stores to get the best deals. It may sound tedious but can save you money;</li>\r\n<li>Create a budget and stick to it: Budgeting always helps to control your spending;</li>\r\n<li>Avoid impulsive buying: List all items you intend to buy. Do not buy something that you don’t need;</li>\r\n<li>Beware of costs and risks associated with online shopping: Normally, online shopping needs credit/debit card details which may not only carry additional costs but may expose you to the risk of cybercrime;</li>\r\n<li>Do not spend more than you can afford: Irresponsible use of credit may lead to excessive debt and blacklisting at the credit bureaus which will damage your credit profile.</li>\r\n<li>If you are prone to impulse buying or are ill-disciplined stay at home! Do not go to shopping malls and stay offline.</li>\r\n</ul>\r\n<p>“Avoid succumbing to Black Friday hype. Spend Wisely if you have budgeted. Borrow Wisely if you need a big ticket item or have to make an emergency purchase that is nicely discounted. Whatever you do Be Credit Smart.” concludes Ms Kweyama.</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p align=\"center\">Or</p>\r\n<p align=\"center\">Didi Sebothoma</p>\r\n<p align=\"center\">064 752 3910</p>\r\n<p align=\"center\">E-mail: Didi Sebothoma:</p>\r\n<p align=\"center\">Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',1,8,'2022-11-17 14:15:42',915,'','2022-11-17 14:21:37',915,915,'2022-11-17 14:21:37','2022-11-17 14:15:42','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,6,'','',1,17896,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(133,290,'Spend wisely during festive season','spend-wisely-during-festive-season','<p align=\"right\"><strong>December 2020</strong></p>\r\n<p>“There is no doubt that consumers spend a lot more during festive season than they would normally during the year, on gifts, food, entertainment, travel, events, spoiling loved one’s etc. While the festive season comes every year and consumers have ample time to plan well in advance, it is unfortunate that many consumers do not plan properly and in the end succumb to the temptation of overspending, using credit cards, bank overdrafts or taking loans to fund festive spending,” said Ms Poppy Kweyama, Manager of Education and Communication at the National Credit Regulator (NCR).</p>\r\n<p> “With ever increasing cost of living including increased interest rates, consumers need to be financially savvy and, make tough but necessary decisions to scale down on festive spending this year. Sometimes it is worth waiting rather than impulsively using credit to buy non-essential items which would only bring misery. In making festive purchases, consumers should always distinguish between the needs and wants. Otherwise, it means you will begin the New Year with more debts than you intended and ended up being saddled with regrets. Make the most of your money,” she advises.</p>\r\n<p> On the flip side, If you happen to be one of the lucky ones receiving year-end bonuses and/or 13<sup>th</sup> cheques, spend it wisely. Always remember the golden rule, pay off your debt first!,” urges Ms Kweyama. “Although it is a bit difficult to define how consumers should spend their year-end bonuses and 13<sup>th</sup> cheques, if used wisely, it could be just the ticket to start your new year debt free and on the path to a soft life. Even if you don’t earn the big bucks or receive bonuses, be credit smart and prioritise paying your debt so that you can reduce your debt and start saving more. Ideally, start paying off the debt with higher interest rates like credit cards, personal loans etc. By so doing, you’re freeing up cash to acquire other valuable assets or build up an egg nest, and if you are lucky enough to be debt free - consider saving or investing your money”, adds Kweyama.</p>\r\n<p> However, If you decide to make purchases using credit, read and understand the full cost of credit including the terms and conditions of the credit agreement. When applying for credit on social media platforms, beware of sophisticated scammers posing as legitimate credit providers demanding and putting pressure on consumers to make immediate payment of an upfront fee before releasing the “money” you are borrowing. Never, ever pay any upfront fees no matter what!</p>\r\n<p><strong>Here are practical tips on how to minimize spending during festive season: </strong></p>\r\n<ul>\r\n<li>Plan and save for festive season ahead of time;</li>\r\n<li>Pay off existing debt first;</li>\r\n<li>Don’t spend money on a “soft” lavish lifestyle to impress others;</li>\r\n<li>Do not replace presence with presents;</li>\r\n<li>Create a festive season budget which is aligned to available funds and stick to it;</li>\r\n<li>Compare prices between different retail stores;</li>\r\n<li>Don’t use credit for consumables like food, alcohol and airtime;</li>\r\n<li>Beware of scams if you decide to shop online;</li>\r\n<li>Save money for January expenses; and</li>\r\n<li>Live within your means during festive season.</li>\r\n</ul>\r\n<p> Those struggling to keep up with monthly repayment of bills should avoid taking more credit just for few a weeks during festive season. The reality is that festive season is the most wonderful leisure time of the year to relax and unwind with families, beloved ones and friends, but there is still life after festive season. Do not let soft life during festive season lead you to a blacklisting in 2023, concludes Kweyama.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p style=\"text-align: center;\"><strong>For more information contact:</strong> </p>\r\n<p style=\"text-align: center;\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p style=\"text-align: center;\">Or</p>\r\n<p style=\"text-align: center;\">Didi Sebothoma</p>\r\n<p style=\"text-align: center;\">064 752 3910</p>\r\n<p style=\"text-align: center;\">E-mail: <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a></p>\r\n<p style=\"text-align: center;\">Website: <a href=\"https://www.ncr.org.za/\">www.ncr.org.za</a></p>','',1,8,'2022-12-13 16:08:27',915,'','2022-12-13 16:10:58',915,0,'0000-00-00 00:00:00','2022-12-13 16:08:27','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,5,'','',1,16205,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(134,292,'NCR ONBOURDING TECHSPRINT','techsprint','<p><a href=\"https://us06web.zoom.us/meeting/register/tZEuceuuqzwjGtXkgC6iy6DGX-sZuMgx4Doc#/registration\"><img style=\"display: block; margin-left: auto; margin-right: auto;\" src=\"images/TechSprint -Briefing Header Banner.png\" alt=\"\" width=\"500\" /></a></p>\r\n<ul>\r\n<li><a href=\"documents/Media Release- TechSprint Briefing.pdf\">click here</a> to download <strong>TechSprint Briefing Media Release</strong></li>\r\n<li><a href=\"documents/TechSprint Briefing -INVITATION.pdf\">click here</a> to download <strong>TechSprint Briefing invitation</strong></li>\r\n<li><a href=\"documents/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\">click here</a> to download the TechSprint Stakeholder Round Table Report.</li>\r\n<li><a href=\"documents/NCR_Onboarding_TechSprint-Stakeholders_Roundtables Report_FINAL.pdf\">click here</a> to download the TechSprint Roundtables Report on Findings of industry Roundtable Engagements.</li>\r\n<li><a href=\"documents/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\">click here</a> to download the techsprint: report on findings of industry roundtable engagements</li>\r\n<li><a href=\"documents/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\">click here</a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers</li>\r\n<li><a href=\"documents/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\">click here</a> to download the Pre-TechSprint Roundtable Discussion - small credit providers</li>\r\n<li><a href=\"documents/NCR Roundtable S2 Email Invite - Final-signed..pdf\">click here</a> to download the Pre-TechSprint Roundtable Discussion - large credit providers</li>\r\n</ul>','',1,20,'2022-12-15 14:39:25',915,'','2023-08-29 08:32:51',915,0,'0000-00-00 00:00:00','2022-12-15 14:39:25','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',19,2,'','',1,9903,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(135,293,'Borrow Wisely. T’s and C’s apply!','borrow-wisely-t-s-and-c-s-apply','<p align=\"right\"><strong>January 2023</strong></p>\r\n<p>“Excessive spending during festive season, places pressure on household disposable income, making the new year not so prosperous. The sad reality is that not everyone is beginning the new season debt free. Some are already in a state of financial distress after acquiring more debt pre- or/during the festive season. For them to meet basic necessities they had to borrow money to stay afloat. And if indeed borrowing is the only solution suitable to your personal circumstances, borrow wisely and responsibly!” said Ms Kweyama, Manager: Education and Communication at the National Credit Regulator (NCR).</p>\r\n<p>Ms Kweyama added that borrowing wisely and responsibly mean consumers should ensure that they only borrow what they need and can afford to pay back in full, and within the stipulated timeframe. Although the National Credit Act (NCA) dictates that credit providers must conduct an affordability assessment to determine if a consumer qualifies for credit, a responsible and honest consumer must fully and truthfully disclose information on all his/ her financial obligations, in particular income and expenditure to enable the credit provider to conduct accurate affordability assessment.</p>\r\n<p>She warned, “Unfortunately in many instances when consumers realise that when they honestly disclose their expenses, they would not be eligible for credit, they tend to understate their expenditure and overstate their income in order to qualify. As a result, they</p>\r\n<p>find themselves in huge amounts of debt – which they are unlikely to repay at all or repay on time”.</p>\r\n<p>Another popular method of accessing short term credit quickly is pawning valuable items like furniture, jewellery, vehicles, etc. in exchange for cash. The pawnbrokers hold assets as security and in most cases, consumers are given a short-term to repay the loan in full. However, should one default on the repayment, pawnbrokers can sell their assets to recoup the money loaned to them. Before signing on the dotted line, ensure that you understand the terms and conditions of a pawn transaction, because very often the interest rates charged are quite high and most pawnbrokers do not disclose fees like storage, insurance, etc. upfront.</p>\r\n<p>Desperation also compels some consumers to seek credit from loan sharks or “mashonisa”- despite many warnings about their unlawful practices. Most “mashonisas”, like some pawnbrokers, are not registered with the NCR. Their modus operandi include retaining consumers’ bank cards, pin codes and identity cards to collect on the loans. Remember, it is illegal for a “mashonisa” or pawnbroker to retain your personal documents. Report this to the South African Police Services and the NCR.</p>\r\n<p>Important considerations before applying for credit:</p>\r\n<ul>\r\n<li>Take an amount of credit that you need and you can afford to repay;</li>\r\n<li>If you can, pay cash rather than take credit;</li>\r\n<li>Borrow only from registered credit providers;</li>\r\n<li>Understand the terms and conditions of a credit agreement;</li>\r\n<li>Never leave your bank/SASSA card, pin code, identity document with a credit provider; and</li>\r\n<li>If you need a loan, do not pay any upfront</li>\r\n</ul>\r\n<p>“Borrowing and pawning are expensive and consumers should be careful not to take more than they can afford to pay back as this can often lead to serious financial woes. “Always</p>\r\n<p>keep in mind that when interest rates are increased by the South African Reserve Bank , this is passed on to consumers by credit providers and increases your monthly instalments” concludes Kweyama.</p>\r\n<p style=\"text-align: center;\"><strong>Ends</strong></p>\r\n<hr />\r\n<p><strong>About</strong> <strong>The National Credit Regulator</strong></p>\r\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p style=\"text-align: center;\">Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>\r\n<p style=\"text-align: center;\">Or</p>\r\n<p style=\"text-align: center;\">Winnie Rabathata 064 752 392 or Didi Sebothoma 0647523910</p>\r\n<p style=\"text-align: center;\">E-mail: <a href=\"mailto:wrabathata@ncr.org.za\">wrabathata@ncr.org.za</a> or <a href=\"mailto:dsebothoma@ncr.org.za\">dsebothoma@ncr.org.za</a></p>\r\n<p style=\"text-align: center;\">Website: <a href=\"http://www.ncr.org.za/\">www.ncr.org.za</a></p>','',1,8,'2023-01-19 06:48:16',915,'','2023-01-19 06:49:16',915,0,'0000-00-00 00:00:00','2023-01-19 06:48:16','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,4,'','',1,15062,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(136,294,'Article','article','<p><a href=\"documents/230525%20article%20no%204%20Registration%20of%20Credit%20providers%20rmcp%20pcc53.pdf\">Credit providers: register with the financial intelligence centre</a></p>','',1,20,'2023-06-06 15:16:16',915,'','2023-06-06 15:22:59',915,0,'0000-00-00 00:00:00','2023-06-06 15:16:16','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,0,'','',1,2972,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(137,295,'Investigations in the Cape Town','investigations-in-the-cape-town','<p align=\"right\"><strong>August 2023</strong></p>\r\n<p>In the past week, the National Credit Regular (“NCR”) embarked on investigations against Debt Counsellors in the Cape Town area following the receipt of numerous complaints of non-compliance with the National Credit Act, 34 of 2005 (“the Act”).</p>\r\n<p>Following resistance, threats, and non-cooperation by certain registrants and/or entities which actions prevented the NCR’s inspector’s from conducting onsite investigations, the NCR requested the assistance of the South African Police Services (“SAPS”) in certain instances.</p>\r\n<p>“In the event that the SAPS is involved, the SAPS may find cause to further investigate allegations by consumers claiming to have been placed under debt review without their consent as such conduct amounts to fraud” says Chief Executive Officer (“CEO”) of the NCR, Ms Nomsa Motshegare.</p>\r\n<p>The NCR’s inspectors are duly appointed by the CEO of the NCR in terms of Section 25 of the Act to conduct investigations into alleged contraventions of the Act.</p>\r\n<p>Inspectors are to be allowed to enter the premises of registrants or any entity or individual against whom a complaint has been initiated and from where activities are performed and/or services rendered at any time during an entity’s normal business hours to conduct the investigation. Furthermore, apart from being a contravention in terms of the Act and Conditions of registration, it is an offence in terms of Section 160 of the Act to hinder the administration of the Act, which includes, but is not limited to, obstructing Inspectors of the NCR from exercising their powers or performing their duties delegated to them in terms of Section 25 of the Act. </p>\r\n<p>Should there be any doubt or hesitance pertaining the identity of the inspectors, registrants may first engage the NCR directly by way of telephone and email. Such verifications will however not result in a postponement of the investigation.</p>\r\n<p>Individuals and entities are warned that the NCR will not hesitate to invoke all the necessary actions and powers stipulated within the Act, to enable it to discharge its regulatory mandate.</p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>\r\n<p align=\"center\"><strong>For more information contact:</strong><br /> Winnie Rabathata 064 752 3923<br /> Or<br /> Media Office: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a></p>','',1,8,'2023-08-21 15:01:02',915,'','2023-08-21 15:12:38',915,0,'0000-00-00 00:00:00','2023-08-21 15:01:02','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,3,'','',1,6890,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(138,296,'sprint test','sprint-test','<p><a href=\"https://us06web.zoom.us/meeting/register/tZEuceuuqzwjGtXkgC6iy6DGX-sZuMgx4Doc#/registration\"><img style=\"display: block; margin-left: auto; margin-right: auto;\" src=\"images/TechSprint -Briefing Header Banner.png\" alt=\"\" width=\"500\" /></a></p>\r\n<ul>\r\n<li><a href=\"documents/Media Release- TechSprint Briefing.pdf\">click here</a> to download <strong>TechSprint Briefing Media Release</strong></li>\r\n<li><a href=\"documents/TechSprint Briefing -INVITATION.pdf\">click here</a> to download <strong>TechSprint Briefing invitation</strong></li>\r\n<li><a href=\"documents/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\">click here</a> to download the TechSprint Stakeholder Round Table Report.</li>\r\n<li><a href=\"documents/NCR_Onboarding_TechSprint-Stakeholders_Roundtables Report_FINAL.pdf\">click here</a> to download the TechSprint Roundtables Report on Findings of industry Roundtable Engagements.</li>\r\n<li><a href=\"documents/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\">click here</a> to download the techsprint: report on findings of industry roundtable engagements</li>\r\n<li><a href=\"documents/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\">click here</a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers</li>\r\n<li><a href=\"documents/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\">click here</a> to download the Pre-TechSprint Roundtable Discussion - small credit providers</li>\r\n<li><a href=\"documents/NCR Roundtable S2 Email Invite - Final-signed..pdf\">click here</a> to download the Pre-TechSprint Roundtable Discussion - large credit providers</li>\r\n</ul>\r\n<p> </p>','',1,2,'2023-08-29 09:37:47',915,'','2023-08-29 09:39:20',915,0,'0000-00-00 00:00:00','2023-08-29 09:37:47','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',2,1,'','',1,121,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(139,297,'National Credit Regulator and IFC announce Tech Competition to Empower  Small Credit Providers in South Africa','national-credit-regulator-and-ifc-announce-tech-competition-to-empower-small-credit-providers-in-south-africa','<p align=\"right\"><strong>September 2023</strong></p>\r\n<p>The National Credit Regulator (NCR), in partnership with the Government of Japan and the International Finance Corporation (IFC), have come together to launch an innovative TechSprint competition (also known as the Hackathon) designed to support the digitisation and regulatory compliance of small credit providers in South Africa.</p>\r\n<p>The initiative will incorporate a virtual TechSprint and subsequent Showcase event, engaging software developers and technology teams to create robust and affordable solutions for small credit providers, ultimately promoting financial inclusion for underserved borrowers.</p>\r\n<p>In the virtual TechSprint (Hackathon), taking place from 16 to 20 October 2023, Tech teams will enter a hackathon to build a prototype solution addressing the issue at hand. Winners will be announced on the Demo Day scheduled for 20 October 2023. Once the winners are selected, a Solution Showcase event will take place on 24 October 2023 in which the winning tech teams will virtually present their solutions to the credit industry. Applications for the virtual TechSprint (Hackathon) event are open and Tech teams have until 19 September 2023 to enter.</p>\r\n<p>Small credit providers play a crucial role in the South African financial ecosystem, serving the base of the pyramid and the last mile. However, many of these credit providers face challenges in complying with Regulation 19(13) of the National Credit Act (NCA), which prescribes how credit providers must submit credit information to a credit bureau.</p>\r\n<p>The TechSprint and Showcase events aim to address these issues by leveraging technological innovation to improve the resilience and compliance of small credit providers. Participating teams will have 3-4 days to build prototype solutions, with support from experts and the project team. A demo day will follow on 20 October 2023, during which teams would present their prototypes to a panel of judges, who would select the winning team(s) based on predefined criteria. The TechSprint winners will then be supported by an incubation programme to take their solution to market and start bridging the gap for small credit providers.</p>\r\n<p>First prize is R100,000 cash with a 3-month incubation programme worth R65,000. The runners up for second and third places, would receive R60,000 and R40,000, respectively.</p>\r\n<p>“Through this initiative, we want to drive economic growth by providing essential financial services to those who would otherwise be excluded from the formal financial sector. Together with our partners in this project we had to find a solution to enhance credit visibility for borrowers, reduce the potential for over-indebtedness, provide more accurate data for regulatory purposes, and lower compliance burden. We can’t wait to see how these Tech teams make compliance more affordable and accessible.” said the NCR Chief Executive Officer, Nomsa Motshegare.</p>\r\n<p> </p>\r\n<p>To participate, teams must demonstrate their ability to create solutions that address the following key elements:</p>\r\n<ul>\r\n<li><strong>Resilience</strong>: Enable digital on-boarding and credit extension by small credit providers to underserved markets.</li>\r\n<li><strong>Compliance:</strong> Ensure effective participation in information sharing, submission, and regulatory reporting.</li>\r\n</ul>\r\n<p>The TechSprint (Hackathon) competition is open to software developers, technology teams, and other interested parties with the capacity and capability to develop innovative tech solutions. Participants must be available during the TechSprint dates.</p>\r\n<p>If you and your team think you have what it takes to win, registrations are now open for the virtual TechSprint and Showcase events until 19 September 2023:</p>\r\n<p><strong>Registration for the Techsprint:</strong> <a href=\"https://forms.gle/3oqDZu8zBDxdfNkT8\">https://forms.gle/3oqDZu8zBDxdfNkT8</a></p>\r\n<p><strong>Registration for the Showcase:</strong> <a href=\"https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fprotect-za.mimecast.com%2Fs%2FNsQ2CJZXX4FYERJFGOqsn&amp;data=05%7C01%7Cjmbaloyi%40ncr.org.za%7C6020081513ee47ec2a8308dbb29b5ec9%7C9c24d5180d3b43368040f585907bddb2%7C0%7C0%7C638300152727834819%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=MrkujxtNwuWPzafZs%2Fovn404%2FLwAKB9jEpU7VrGSuJI%3D&amp;reserved=0\">https://forms.gle/P7aLnZk1Qog3bQir5</a></p>\r\n<p>To learn more about the NCR Onboarding TechSprint visit <a href=\"index.php/publications/techsprint\">https://www.ncr.org.za/index.php/publications/techsprint</a> for more information.</p>\r\n<p><strong>About The National Credit Regulator (NCR)</strong></p>\r\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act, (NCA) 2005 (Act 34 of 2005)) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the NCA. The NCR offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible, and dynamic.</p>\r\n<p><strong>About International Finance Corporation (IFC)</strong></p>\r\n<p>The International Finance Corporation (IFC), a member of the World Bank, is the largest global development institution focused on the private sector in emerging markets. We work in more than 100 countries, using our capital, expertise, and influence to create markets and opportunities in developing countries. In fiscal year 2023, IFC committed a record $43.7 billion to private companies and financial institutions in developing countries, leveraging the power of the private sector to end extreme poverty and boost shared prosperity as economies grapple with the impacts of global compounding crises. For more information, visit <a href=\"http://www.ifc.org\">www.ifc.org</a>.</p>\r\n<p align=\"center\"><strong>Ends</strong></p>\r\n<hr />\r\n<p align=\"center\"><strong>For more information contact: </strong></p>\r\n<p align=\"center\">Jacqueline Baloyi<br /> National Credit Regulator (NCR)<br /> Phone: +27 64 752 3920<br /> E-mail: <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za</a> <br /> Website: <a href=\"http://www.ncr.org.za\">www.ncr.org.za</a></p>','',0,8,'2023-09-14 15:25:49',915,'','2023-11-08 10:29:00',915,0,'0000-00-00 00:00:00','2023-09-14 15:25:49','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,2,'','',1,5100,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(140,298,'Credit Extension slows down while impairments worsen. ','credit-extension-slows-down-while-impairments-worsen','<p align=\"right\"><strong> October 2023</strong></p>\r\n<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted by the registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information from April 2023 to June 2023. The total value of new credit granted increased by 0.15% quarter-on-quarter from R141.78 billion to R141.99 billion. The number of credit agreements entered-into increased by 6.66% quarter-on-quarter from 3.79 million to 4.04 million.<br /> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2023:</p>\r\n<ul>\r\n<li>The value of new mortgages granted increased by R2. 75 billion (6.09%) quarter-on-quarter and decreased by R9.69 billion (16. 85%) year-on-year.</li>\r\n<li>Secured credit, which is dominated by vehicle finance, decreased by R480.03billion (1.06%) quarter-on-quarter, and by R153.55 million (0.34%) year-on-year.</li>\r\n<li>Credit facilities decreased by R1.14 billion (4.80%) quarter-on-quarter and by R1.66 billion (6.85%) year-on year.</li>\r\n<li>Unsecured credit decreased by R354.87 million (1.53%) quarter-on-quarter, and by R4.08 billion (15.14%) year-on-year.</li>\r\n<li>Short-term credit increased by R235.09 million (11.14%) quarter-on-quarter and by R156.06 million (7.13%) year-on-year.</li>\r\n</ul>\r\n<p>The total outstanding consumer credit balances (or gross debtor’s book) as at June 2023 was R2.31 trillion, representing an increase of 0.74% quarter-on-quarter and by 5.81% year-on-year. The trends for outstanding balances for the quarter ended June 2023 were as follows:</p>\r\n<ul>\r\n<li>Mortgages debtors book increased by R8. 62 billion (0. 72%) quarter–on-quarter and by R64.58 billion (5.65%) year-on-year.</li>\r\n<li>Secured credit debtors book increased by R3.02 billion (0.61%) quarter-on-quarter and by R22.03 billion (4.59%) year-on-year.</li>\r\n<li>Credit facilities debtors book increased by R5. 40 billion (1.73%) quarter-on-quarter and by R30.97 billion (10.81%) year-on-year.</li>\r\n<li>Unsecured credit debtors book decreased by R910.18 million (0.41%) quarter-on-quarter and increased by R5.26 billion (2.43%) year-on-year.</li>\r\n<li>Short-term credit debtors book increased by R106.08 million (5.07%) quarter-on-quarter and by R339.78 million (18.27%) year-on-year.</li>\r\n</ul>\r\n<p>Credit bureaus held records for 27.05 million credit-active consumers, which was a decrease of 0.05% when compared to the 27.07 million in the previous quarter. Consumers classified in good standing decreased by 215,482 to 17.03 million. This amounts to 62.95% of the total number of credit-active consumers. The number of credit-active accounts decreased from 90.44 million to 90.21 million in the quarter ended June 2023. The number of impaired accounts has increased from 19.13 million (21.15%) to 19.29 million (21.38%) in June 2023, an increase of 158 725 quarter-on-quarter and 26 685year-on-year.</p>\r\n<p>The interest rate cycle has been on an upward swing placing consumer’s payment obligations under severe financial pressure as a result of increased debt re-payment installments. The NCR urges consumers to plan and monitor their spending by drawing up a monthly budget and making shopping lists to manage their expenses. The NCR encourages consumers battling with debt repayments to contact their credit providers for assistance with payment re-arrangements. Consumers must not avoid credit providers when in distress.</p>\r\n<p>In the worst-case scenario, consumers are urged to contact their nearest registered debt counsellors to seek help. Debt counselling is intended to assist consumers who are over-indebted. Over-indebtedness is a state where the consumer ‘s income is not sufficient to cover all financial obligations and living expenses. A registered debt counsellor should be able to assist the consumer with budget advice and debt restructuring, says Mr Ngoako Mabeba, the Statistics and Research Manager at the NCR.</p>\r\n<p><strong><em>Comparisons in this release- ‘quarter-on-quarter’ refers to a comparison between the March 2023 and June 2023 quarters, and ‘year-on-year’ refers to a comparison between the June 2022 and June 2023 quarters</em></strong><strong>.</strong></p>\r\n<p align=\"center\"><strong>ENDS</strong></p>\r\n<hr />\r\n<p><strong>About The National Credit Regulator</strong><br /> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.</p>','',1,8,'2023-10-05 15:52:33',915,'','2023-10-05 15:52:33',0,915,'2023-10-05 15:52:33','2023-10-05 15:52:33','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',1,1,'','',1,6204,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(141,299,'NCR and IFC Tech Competition Fosters Financial Inclusion and Empowers                     Small Credit Providers in South Africa','ncr-and-ifc-tech-competition-fosters-financial-inclusion-and-empowers-small-credit-providers-in-south-africa','<p align=\"right\"><strong>October 2023</strong></p>\r\n<p>The National Credit Regulator (NCR) and the IFC - International Finance Corporation have come together to bring about an innovative competition aimed at supporting the digitisation and regulatory compliance of small credit providers in South Africa.</p>\r\n<p>The initiative will incorporate a TechSprint and subsequent Showcase event, engaging software developers and technology teams to create robust, cost-effective solutions and showcase ready to be introduced to the market solutions. These solutions are specifically targeted towards small credit providers, with the ultimate objective of enhancing financial inclusion for underserved borrowers.</p>\r\n<p>The two events aim to leverage technological innovation to improve the resilience and compliance of small credit providers. The TechSprint week, also referred to as the Hackathon, will take place from 16 to 19 October 2023. Participating teams will have four days to build prototype solutions, with support from industry experts who will provide valuable insights to the participating team.</p>\r\n<p>A demo day will follow on 20 October 2023, where the tech teams will present their prototypes to a panel of judges. At the end of the presentation, winners will be announced, with the prize that includes an incubation programme aimed at assisting the winner to take their solution to market.</p>\r\n<p>The Showcase event will take place on 24 October 2023 where tech companies will Showcase their existing solution geared on improving resilience, inclusion, and compliance with the National Credit Act (NCA).</p>\r\n<p>Small credit providers play a significant role within the South African financial ecosystem, serving the base of the pyramid and the last mile, “many of these providers encounter challenges in complying with Regulation 19 (13) of the (NCA), which prescribes the requirement for credit providers when submitting credit information to a credit bureau. This barrier in many cases serves as a limitation for individuals from participating in and contributing to the expansion of the national economy. With the support of our partners, the NCR had to find innovative ways to solve these challenges” the NCR Chief Executive Officer, Nomsa Motshegare said To learn more about the NCR Onboarding TechSprint and Showcase visit: <a href=\"https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.ncr.org.za%2Findex.php%2Fpublications%2Ftechsprint&amp;data=05%7C01%7CPTlabela%40ncr.org.za%7C1d5577f8f936451aa2a208dbcdc49821%7C9c24d5180d3b43368040f585907bddb2%7C0%7C0%7C638330016484400105%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=1hX577D8yWAtgI0zfTVYyrh%2BNAP95s0cOcBLDQn6l%2BA%3D&amp;reserved=0\">https://www.ncr.org.za/index.php/publications/techsprint </a>for more information.</p>\r\n<p><strong>About The National Credit Regulator (NCR)</strong></p>\r\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act, (NCA) 2005 (Act 34 of 2005)) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the NCA. The NCR offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible, and dynamic.</p>\r\n<p><strong>About International Finance Corporation (IFC)</strong></p>\r\n<p>The International Finance Corporation (IFC), a member of the World Bank, is the largest global development institution focused on the private sector in emerging markets. We work in more than 100 countries, using our capital, expertise, and influence to create markets and opportunities in developing countries. In fiscal year 2023, IFC committed a record $43.7 billion to private companies and financial institutions in developing countries, leveraging the power of the private sector to end extreme poverty and boost shared prosperity as economies grapple with the impacts of global compounding crises. For more information, visit <a href=\"https://eur03.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.ifc.org%2F&amp;data=05%7C01%7CPTlabela%40ncr.org.za%7C1d5577f8f936451aa2a208dbcdc49821%7C9c24d5180d3b43368040f585907bddb2%7C0%7C0%7C638330016484400105%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=9xRRH3iOVwLD4OnOOqsGRTGwB%2FxgUjHJiJcVBUOCYUg%3D&amp;reserved=0\">www.ifc.org</a>.</p>\r\n<p align=\"center\">Ends</p>\r\n<hr />\r\n<p align=\"center\"><strong>For more information contact:</strong></p>\r\n<p align=\"center\">Jacqueline Baloyi<br /> National Credit Regulator (NCR) Phone: +27 64 752 3920<br /> E-mail: techsprint@ncr.org.za Website: www.ncr.org.za</p>\r\n<p align=\"center\">For interviews contact:<br /> Winnie Rabathata<br /> National Credit Regulator (NCR) Phone: +27 64 752 3923<br /> E-mail: media@ncr.org.za Website: www.ncr.org.za</p>','',1,8,'2023-10-16 15:44:12',915,'','2023-11-08 10:30:27',915,0,'0000-00-00 00:00:00','2023-10-16 15:44:12','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',3,0,'','',1,5784,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*',''),(142,300,'Black Friday recordings','ncr-black-friday','<table border=\"0\" width=\"100%\" cellspacing=\"10\" cellpadding=\"10\">\r\n<tbody>\r\n<tr align=\"center\">\r\n<td><strong> NCR - Black Friday - Afrikaans</strong></td>\r\n<td><strong>NCR - Black Friday - English</strong></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/videos/NCR - Black Friday - Afrikaans.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n<td><a href=\"documents/videos/NCR - Black Friday - English.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong> NCR - Black Friday - Ndebele</strong></td>\r\n<td><strong>NCR - Black Friday - Sepedi</strong></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/videos/NCR - Black Friday - Ndebele.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n<td><a href=\"documents/videos/NCR - Black Friday - Sepedi.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong> NCR - Black Friday - Sesotho</strong></td>\r\n<td><strong>NCR - Black Friday - Swati</strong></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/videos/NCR - Black Friday - Sesotho.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n<td><a href=\"documents/videos/NCR - Black Friday - Swati.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong> NCR - Black Friday - Tsonga</strong></td>\r\n<td><strong>NCR - Black Friday - Tswana</strong></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/videos/NCR - Black Friday - Tsonga.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n<td><a href=\"documents/videos/NCR - Black Friday - Tswana.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong> NCR - Black Friday - Venda</strong></td>\r\n<td><strong>NCR - Black Friday - Xhosa</strong></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/videos/NCR - Black Friday - Venda.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n<td><a href=\"documents/videos/NCR - Black Friday - Xhosa.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><strong> NCR - Black Friday - Zulu</strong></td>\r\n<td> </td>\r\n</tr>\r\n<tr align=\"center\">\r\n<td><a href=\"documents/videos/NCR - Black Friday - Zulu.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"documents/videos/black_friday_2023.jpg\" alt=\"\" width=\"295\" height=\"180\" /><br />Click to view </a></td>\r\n<td> </td>\r\n</tr>\r\n<tr>\r\n<td colspan=\"2\"><hr /></td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,17,'2023-11-21 15:34:45',915,'','2023-11-21 16:32:14',915,0,'0000-00-00 00:00:00','2023-11-21 15:34:45','0000-00-00 00:00:00','{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}','{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}','{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}',11,0,'','',1,209,'{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}',0,'*','');
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  `type_alias` varchar(400) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `table` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `rules` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `field_mappings` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `router` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `content_history_options` varchar(5120) COLLATE utf8mb4_unicode_ci DEFAULT NULL COMMENT 'JSON string for com_contenthistory options',
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INSERT INTO `zbk92_content_types` (`type_id`, `type_title`, `type_alias`, `table`, `rules`, `field_mappings`, `router`, `content_history_options`) VALUES (1,'Article','com_content.article','{\"special\":{\"dbtable\":\"#__content\",\"key\":\"id\",\"type\":\"Content\",\"prefix\":\"JTable\",\"config\":\"array()\"},\"common\":{\"dbtable\":\"#__ucm_content\",\"key\":\"ucm_id\",\"type\":\"Corecontent\",\"prefix\":\"JTable\",\"config\":\"array()\"}}','','{\"common\":{\"core_content_item_id\":\"id\",\"core_title\":\"title\",\"core_state\":\"state\",\"core_alias\":\"alias\",\"core_created_time\":\"created\",\"core_modified_time\":\"modified\",\"core_body\":\"introtext\", \"core_hits\":\"hits\",\"core_publish_up\":\"publish_up\",\"core_publish_down\":\"publish_down\",\"core_access\":\"access\", \"core_params\":\"attribs\", \"core_featured\":\"featured\", \"core_metadata\":\"metadata\", \"core_language\":\"language\", \"core_images\":\"images\", \"core_urls\":\"urls\", \"core_version\":\"version\", \"core_ordering\":\"ordering\", \"core_metakey\":\"metakey\", \"core_metadesc\":\"metadesc\", \"core_catid\":\"catid\", \"core_xreference\":\"xreference\", \"asset_id\":\"asset_id\"}, \"special\":{\"fulltext\":\"fulltext\"}}','ContentHelperRoute::getArticleRoute','{\"formFile\":\"administrator\\/components\\/com_content\\/models\\/forms\\/article.xml\", \"hideFields\":[\"asset_id\",\"checked_out\",\"checked_out_time\",\"version\"],\"ignoreChanges\":[\"modified_by\", \"modified\", \"checked_out\", \"checked_out_time\", \"version\", \"hits\"],\"convertToInt\":[\"publish_up\", \"publish_down\", \"featured\", \"ordering\"],\"displayLookup\":[{\"sourceColumn\":\"catid\",\"targetTable\":\"#__categories\",\"targetColumn\":\"id\",\"displayColumn\":\"title\"},{\"sourceColumn\":\"created_by\",\"targetTable\":\"#__users\",\"targetColumn\":\"id\",\"displayColumn\":\"name\"},{\"sourceColumn\":\"access\",\"targetTable\":\"#__viewlevels\",\"targetColumn\":\"id\",\"displayColumn\":\"title\"},{\"sourceColumn\":\"modified_by\",\"targetTable\":\"#__users\",\"targetColumn\":\"id\",\"displayColumn\":\"name\"} ]}'),(2,'Contact','com_contact.contact','{\"special\":{\"dbtable\":\"#__contact_details\",\"key\":\"id\",\"type\":\"Contact\",\"prefix\":\"ContactTable\",\"config\":\"array()\"},\"common\":{\"dbtable\":\"#__ucm_content\",\"key\":\"ucm_id\",\"type\":\"Corecontent\",\"prefix\":\"JTable\",\"config\":\"array()\"}}','','{\"common\":{\"core_content_item_id\":\"id\",\"core_title\":\"name\",\"core_state\":\"published\",\"core_alias\":\"alias\",\"core_created_time\":\"created\",\"core_modified_time\":\"modified\",\"core_body\":\"address\", \"core_hits\":\"hits\",\"core_publish_up\":\"publish_up\",\"core_publish_down\":\"publish_down\",\"core_access\":\"access\", \"core_params\":\"params\", \"core_featured\":\"featured\", \"core_metadata\":\"metadata\", \"core_language\":\"language\", \"core_images\":\"image\", \"core_urls\":\"webpage\", \"core_version\":\"version\", \"core_ordering\":\"ordering\", \"core_metakey\":\"metakey\", \"core_metadesc\":\"metadesc\", \"core_catid\":\"catid\", \"core_xreference\":\"xreference\", \"asset_id\":\"null\"}, \"special\":{\"con_position\":\"con_position\",\"suburb\":\"suburb\",\"state\":\"state\",\"country\":\"country\",\"postcode\":\"postcode\",\"telephone\":\"telephone\",\"fax\":\"fax\",\"misc\":\"misc\",\"email_to\":\"email_to\",\"default_con\":\"default_con\",\"user_id\":\"user_id\",\"mobile\":\"mobile\",\"sortname1\":\"sortname1\",\"sortname2\":\"sortname2\",\"sortname3\":\"sortname3\"}}','ContactHelperRoute::getContactRoute','{\"formFile\":\"administrator\\/components\\/com_contact\\/models\\/forms\\/contact.xml\",\"hideFields\":[\"default_con\",\"checked_out\",\"checked_out_time\",\"version\",\"xreference\"],\"ignoreChanges\":[\"modified_by\", \"modified\", \"checked_out\", \"checked_out_time\", \"version\", \"hits\"],\"convertToInt\":[\"publish_up\", \"publish_down\", \"featured\", \"ordering\"], \"displayLookup\":[ {\"sourceColumn\":\"created_by\",\"targetTable\":\"#__users\",\"targetColumn\":\"id\",\"displayColumn\":\"name\"},{\"sourceColumn\":\"catid\",\"targetTable\":\"#__categories\",\"targetColumn\":\"id\",\"displayColumn\":\"title\"},{\"sourceColumn\":\"modified_by\",\"targetTable\":\"#__users\",\"targetColumn\":\"id\",\"displayColumn\":\"name\"},{\"sourceColumn\":\"access\",\"targetTable\":\"#__viewlevels\",\"targetColumn\":\"id\",\"displayColumn\":\"title\"},{\"sourceColumn\":\"user_id\",\"targetTable\":\"#__users\",\"targetColumn\":\"id\",\"displayColumn\":\"name\"} ] }'),(3,'Newsfeed','com_newsfeeds.newsfeed','{\"special\":{\"dbtable\":\"#__newsfeeds\",\"key\":\"id\",\"type\":\"Newsfeed\",\"prefix\":\"NewsfeedsTable\",\"config\":\"array()\"},\"common\":{\"dbtable\":\"#__ucm_content\",\"key\":\"ucm_id\",\"type\":\"Corecontent\",\"prefix\":\"JTable\",\"config\":\"array()\"}}','','{\"common\":{\"core_content_item_id\":\"id\",\"core_title\":\"name\",\"core_state\":\"published\",\"core_alias\":\"alias\",\"core_created_time\":\"created\",\"core_modified_time\":\"modified\",\"core_body\":\"description\", \"core_hits\":\"hits\",\"core_publish_up\":\"publish_up\",\"core_publish_down\":\"publish_down\",\"core_access\":\"access\", \"core_params\":\"params\", \"core_featured\":\"featured\", \"core_metadata\":\"metadata\", \"core_language\":\"language\", \"core_images\":\"images\", \"core_urls\":\"link\", \"core_version\":\"version\", \"core_ordering\":\"ordering\", \"core_metakey\":\"metakey\", \"core_metadesc\":\"metadesc\", \"core_catid\":\"catid\", \"core_xreference\":\"xreference\", \"asset_id\":\"null\"}, \"special\":{\"numarticles\":\"numarticles\",\"cache_time\":\"cache_time\",\"rtl\":\"rtl\"}}','NewsfeedsHelperRoute::getNewsfeedRoute','{\"formFile\":\"administrator\\/components\\/com_newsfeeds\\/models\\/forms\\/newsfeed.xml\",\"hideFields\":[\"asset_id\",\"checked_out\",\"checked_out_time\",\"version\"],\"ignoreChanges\":[\"modified_by\", \"modified\", \"checked_out\", \"checked_out_time\", \"version\", \"hits\"],\"convertToInt\":[\"publish_up\", \"publish_down\", \"featured\", 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bills, rising fuel prices, food and cost of living in general and...</p>',1,'2020-02-20 09:45:38','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',31,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(5,34,'The Tribunal rules that child support and..','the-tribunal-rules-that-child-support-and','images/images.jpg','<p>The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the..</p>',1,'2020-02-20 10:45:27','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',32,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/demo\\/index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(6,34,'The High Court rules in favour of the NCR...','the-high-court-rules-in-favour-of-the-ncr','images/money.jpg','<p>The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against ...</p>',1,'2020-02-20 10:46:44','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',33,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/demo\\/index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(7,34,'Tribunal finds that the on the road fee, admin fee...','tribunal-finds-that-the-on-the-road-fee-admin-fee','images/handling-fees.jpg','<p>The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice..</p>',1,'2020-02-20 10:48:00','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',34,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/demo\\/index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(8,35,'Careers','careers','images/job1.gif','',1,'2020-02-20 14:31:31','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',0,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(9,35,'media','media','images/job1.gif','',1,'2020-02-20 14:33:01','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',0,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(10,35,'scm','scm','images/job1.gif','',1,'2020-02-20 14:33:23','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',0,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(11,34,'Spend wisely this festive season, January is a few weeks away!','spend-wisely-this-festive-season-january-is-a-few-weeks-away','images/coins.jpg','<p>Many consumers complain that January is a long month, but like many other months...</p>',1,'2020-02-24 15:37:52','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',29,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(12,34,'Avoid panic buying as it may lead to over-indebtedness','avoid-panic-buying-as-it-may-lead-to-over-indebtedness','images/buying.jpg','<p>Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 </p>',1,'2020-03-24 14:23:14','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',26,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"http:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\",\"link_article\":\"76\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(13,34,'Know your Consumer Rights and be protected','know-your-consumer-rights-and-be-protected','images/consumer_rights.jpg','<p>March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa.</p>',1,'2020-03-24 14:23:37','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',27,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/demo\\/index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(14,34,'Be careful of \"fake\" credit provider scams during the covid-19 pandemic','be-careful-of-fake-credit-provider-scams-during-the-covid-19-pandemic','images/scam.jpg','<p>The National Credit Regulator (NCR) is warning consumers to be careful of scammers...</p>',1,'2020-07-14 17:05:13','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',25,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/demo\\/index.php?option=com_content&view=article&id=79&catid=8\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(15,34,'Consumers advised to use their credit life insurance for relief','consumers-advised-to-use-their-credit-life-insurance-for-relief','images/credit_inurance.jpg','<p>As South Africa is battling with the impact of COVID-19 on the economy...</p>',1,'2020-07-16 09:23:56','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',24,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/demo\\/index.php?option=com_content&view=article&id=80&catid=8\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(16,34,'Managing debt during COVID-19 times','managing-debt-during-covid-19-times','images/COVID19.jpg','<p>As South Africa is battling with the rapid spread of CODIV-19 and how to stimulate economic activities...</p>',1,'2020-07-16 09:24:02','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',23,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"http:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/81-managing-debt-during-covid-19-times\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(17,34,' Regulatory proposals on payroll deductions','regulatory-proposals-on-payroll-deductions','images/proposal-deduction1.jpg','<p>he South African Payroll Association (SAPA) is conducting a survey on behalf of the National Treasury...</p>',0,'2020-09-12 13:31:23','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',22,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/demo\\/index.php\\/latest-news\\/8-latest-news\\/87-media-statement-regulatory-proposals-on-payroll-deductions\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(18,34,'Debt counselling provides hope for those in need','debt-counselling-provides-hope-for-those-in-need','images/debt-relief.jpg','<p>Although many sectors have been allowed to get back to work, many South African households...</p>',1,'2020-09-12 13:43:05','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',21,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"http:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\",\"link_article\":\"88\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(19,34,'Covid-19 impact on credit extension','covid-19-impact-on-credit-extension','images/covid-19_.jpg','<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau...</p>',1,'2020-10-09 08:51:03','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',20,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"http:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/104-covid-19-impact-on-credit-extension\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(20,34,'Industry Communique for issuing 1 Febr 2021','industry-communique-for-issuing-1-febr-2021','images/communicate_.jpg','<p>In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible...</p>',1,'2021-02-10 09:25:19','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',19,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"http:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/110-industry-communique-for-issuing-1-febr-2021\",\"link_article\":\"110\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(21,42,'Consumer Rights 2021','consumer-rights-2021','images/website-banner-consumer-rights1.jpg','',0,'2021-03-24 09:22:18','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',49,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/medias\\/campaigns\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(22,42,'Know your rights','know-your-rights','images/slider/960-x-300-Option2.gif','',1,'2021-03-24 11:06:39','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',53,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(23,42,'If you need to borrow','if-you-need-to-borrow','images/slider/960x300_Borrow_1W.gif','',1,'2021-03-24 11:09:06','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',54,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(24,42,'Notice to suppliers','notice-to-suppliers','images/slider/1018AD-NCR-Web-banner-notice-for-suppliers-web-banner.jpg','',1,'2021-03-24 11:14:29','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',56,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(25,42,'Review of limitations','review-of-limitations','images/slider/1050AD-NCR-Web-banner-300x960px.jpg','',1,'2021-03-24 11:27:37','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',57,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(26,42,'suppliers and service providers','suppliers-and-service-providers','images/slider/1466AD NCR Procurement Web Banner.jpg','',1,'2021-03-24 11:32:44','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',62,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(27,42,'Credit complain','credit-complain','images/slider/1536AD NCR_CRC Website banner.gif','',1,'2021-03-24 11:33:36','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',58,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(28,42,'Future focused','future-focused','images/slider/1650 AD NCR Youth Campaign Website Banner-01.jpg','',1,'2021-03-24 11:34:33','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',59,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(29,42,'use registerd credit 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00:00:00',50,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/medias\\/campaigns\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(32,42,'NCR Covid banner','ncr-covid-banner','images/slider/NCR-Website-Banners-Covid-19.gif','',1,'2021-03-24 12:02:29','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',52,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(33,42,'Dent counselling makes it poosible','dent-counselling-makes-it-poosible','images/slider/NCR1-960x300.gif','',1,'2021-03-24 12:03:29','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',51,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(34,42,'marrried in community of 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00:00:00',18,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"http:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/112-the-national-credit-regulator-warns-against-false-information-on-the-national-credit-amendment-act-relating-to-debt-intervention\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(43,34,'Alternative Data Landscape in South Africa','alternative-data-landscape-in-south-africa','images/NCR_ADL1.jpg','<p>The material in this work is copyrighted. Copying and/or transmitting portions or all of this work without permission may </p>',1,'2021-07-09 15:09:48','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',17,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(44,42,'Drowning in debt 3','drowning-in-debt-3','images/Website-Banner-.jpg','',1,'2021-08-06 08:30:48','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',40,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(45,34,'Debt counselling offers new lease of life for over-indebted consumers','debt-counselling-offers-new-lease-of-life-for-over-indebted-consumers','images/debt-relief.jpg','<p style=\"color: #ffffff;\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist </p>',1,'2021-08-11 15:19:02','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',16,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"http:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/118-debt-counselling-offers-new-lease-of-life-for-over-indebted-consumers\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(46,42,'Drowning in debt','drowning-in-debt','images/NCR-Web-Banner-01.jpg','',1,'2021-08-12 15:25:48','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',38,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(47,42,'Drowning in debt 1','drowning-in-debt-1','images/NCR-Web-Banner-03.jpg','',1,'2021-08-12 15:26:31','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',35,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(48,42,'Drowning in debt 2','drowning-in-debt-2','images/NCR-Web-Banner-04-2.jpg','',1,'2021-08-12 15:26:51','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',34,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(49,42,'too much debt','too-much-debt','images/Website-Banner-copy-3.jpg','',1,'2021-08-12 15:27:52','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',32,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(50,42,'too much debt 1','too-much-debt-1','images/Website-Banner-copy-4.jpg','',1,'2021-08-12 15:28:23','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',30,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(51,42,'break the chain','break-the-chain','images/Website-Banner-copy.jpg','',1,'2021-08-12 15:29:01','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',28,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(53,42,'ncr moving banner','ncr-moving-banner','images/22-September2021_NCR-is-moving_Website-banner-02_Website-Banner-02_2021_.jpg','',0,'2021-09-15 10:36:16','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',41,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(54,42,'No Vote','no-vote','images/NCR-no-vote.jpg','',0,'2021-10-20 14:00:28','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',39,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(55,34,'It is illegal for a credit provider to take a consumer’s ID or cards when granting credit','it-is-illegal-for-a-credit-provider-to-take-a-consumer-s-id-or-cards-when-granting-credit','images/credit-card-.jpg','<p style=\"color: #ffffff;\">“In terms of the National Credit Act, it is illegal for credit providers to retain consumers’ instruments such ...</p>',1,'2021-10-21 16:05:21','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',15,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"http:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/121-it-is-illegal-for-a-credit-provider-to-take-a-consumer-s-id-or-cards-when-granting-credit\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(56,34,'Lit Black Friday Vibes – Don’t burn your budget!','lit-black-friday-vibes-don-t-burn-your-budget','images/black-friday.jpg','<p style=\"color: #ffffff;\">Statistics released by the National Credit Regulator (NCR), as at June 2021, revealed that, 61.59% (16.14 million) of the 26.22 million credit active consumers are in good standing...</p>',1,'2021-11-16 14:54:45','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',14,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/demo\\/index.php\\/latest-news\\/8-latest-news\\/122-lit-black-friday-vibes-don-t-burn-your-budget\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(57,34,'The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor','the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor','images/Judge.jpg','',1,'2021-11-16 15:16:31','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',13,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(58,34,'Be smart, mind your money, know your rights webinar','be-smart-mind-your-money-know-your-rights-webinar','images/coins.jpg','<p style=\"color: #ffffff;\">The Department of Trade, Industry and Competition (the dtic), together with its agencies, National Credit Regulator (NCR), National Consumer Commission (NCC) and Proudly...</p>',1,'2021-11-23 15:21:03','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',12,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/medias\\/media-release\\/8-latest-news\\/124-be-smart-mind-your-money-know-your-rights\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(59,42,'closing banner','closing-banner','images/closing-banner-2021_new.jpg','',0,'2021-12-02 07:33:57','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',36,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(60,34,'Consumers are encouraged to borrow wisely and start saving','consumers-are-encouraged-to-borrow-wisely-and-start-saving','images/coins.jpg','<p>he National Credit Regulator (NCR) encourages consumers to make savings one of their New Year’s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness....</p>',1,'2022-01-13 12:47:10','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',11,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/125-consumers-are-encouraged-to-borrow-wisely-and-start-saving\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(61,42,'Emails not working','emails-not-working','images/emails-not-working.jpg','',0,'2022-02-25 10:12:26','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',37,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(62,34,'Consumer rights in the digital world','consumer-rights-in-the-digital-world','images/consumer-rights-day.jpg','<p>On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act</p>',1,'2022-03-15 14:48:53','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',10,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/126-consumer-rights-in-the-digital-world\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(63,34,'Misleading advertising on Social Media platforms regarding debt counselling','misleading-advertising-on-social-media-platforms-regarding-debt-counselling','images/communicate_.jpg','<p>The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are ...</p>',1,'2022-04-05 11:09:47','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',9,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/127-misleading-advertising-on-social-media-platforms-regarding-debt-counselling\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(64,34,'Keep your credit bureau record clean regardless of the rising cost of living','keep-your-credit-bureau-record-clean-regardless-of-the-rising-cost-of-living','images/money.jpg','<p>Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth...</p>',1,'2022-07-01 14:44:23','0000-00-00 00:00:00',915,'2022-07-01 14:45:29',8,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/128-keep-your-credit-bureau-record-clean-regardless-of-the-rising-cost-of-living\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(65,34,'Debt counselling-a debt relief measure for over-indebted consumers ','debt-counselling-a-debt-relief-measure-for-over-indebted-consumers','images/debt-relief.jpg','<p>Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his/her income</p>',1,'2022-08-10 12:56:40','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',7,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/129-debt-counselling-a-debt-relief-measure-for-over-indebted-consumers\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(66,34,'MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences','msr-financial-solutions-pty-ltd-and-other-credit-providers-flout-the-national-credit-act-and-deals-with-the-consequences','images/Judge.jpg','',1,'2022-09-13 11:23:36','0000-00-00 00:00:00',915,'2022-09-13 11:23:36',4,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/130-msr-financial-solutions-pty-ltd-and-other-credit-providers-flout-the-national-credit-act-and-deals-with-the-consequences\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(67,34,'Credit extension marginally slows down','credit-extension-marginally-slows-down','images/coins.jpg','<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted by the registered credit providers...</p>',1,'2022-10-05 15:30:21','0000-00-00 00:00:00',915,'2022-10-05 15:35:03',6,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/131-credit-extension-marginally-slows-down\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(68,34,'Don’t be the next victim of a cyber-scam','don-t-be-the-next-victim-of-a-cyber-scam','images/cyber-crime2.jpg','<p>With the advent of digital sophistication in the consumer credit domain, the convenience and privacy of being able to conduct financial transactions has been affected by cyber fraudsters on the hunt to ruthlessly exploit </p>',1,'2022-10-18 14:42:24','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',5,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/documents\\/CEO-0121-Draft%20media%20release%20on%20victim%20of%20cyber%20scam%20-%20September%202022.pdf\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(69,34,'Don’t let Black Friday lead to a Blacklisting!  ','don-t-let-black-friday-lead-to-a-blacklisting','images/black-friday.jpg','<p>While South African household incomes are tightly squeezed by high interest rates and the ever rising cost of living, many consumers are still looking forward to bag a bargain with Black Friday sales...</p>',1,'2022-11-17 14:10:04','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',3,'{\"link_type\":\"url\",\"link_menu\":\"111\",\"link_url\":\"https:\\/\\/www.ncr.org.za\\/index.php\\/latest-news\\/8-latest-news\\/132-don-t-let-black-friday-lead-to-a-blacklisting\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(84,42,'Black Friday 1','black-friday-1','images/Black-friday-ncr--01.jpg','',0,'2022-11-24 15:40:36','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',31,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(85,42,'Black Friday 2','black-friday-2','images/Black-friday-ncr--02.jpg','',0,'2022-11-24 15:44:22','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',16,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(86,42,'Black Friday 3','black-friday-3','images/Black-friday-ncr--03.jpg','',0,'2022-11-24 15:48:52','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',17,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(87,42,'Black Friday 4','black-friday-4','images/Black-friday-ncr--04.jpg','',0,'2022-11-24 15:49:06','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',18,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(88,42,'Black Friday 5','black-friday-5','images/Black-friday-ncr--05.jpg','',0,'2022-11-24 15:49:45','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',19,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(89,42,'Black Friday 6','black-friday-6','images/Black-friday-ncr--06.jpg','',0,'2022-11-24 15:49:59','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',20,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(90,42,'Black Friday vibes 1','black-friday-vibes-1','images/black-friday-vibes-NCR-1.jpg','',0,'2022-11-24 15:52:53','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',21,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(98,42,'Black Friday vibes 2','black-friday-vibes-2','images/black-friday-vibes-NCR-2.jpg','',0,'2022-11-24 16:06:09','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',22,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(99,42,'Black Friday vibes 3','black-friday-vibes-3','images/black-friday-vibes-NCR-3.jpg','',0,'2022-11-24 16:06:39','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',33,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(100,42,'Black Friday vibes 4','black-friday-vibes-4','images/black-friday-vibes-NCR-4.jpg','',0,'2022-11-24 16:06:57','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',23,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(101,42,'Black Friday vibes 5','black-friday-vibes-5','images/black-friday-vibes-NCR-5.jpg','',0,'2022-11-24 16:07:13','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',24,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(102,42,'Black Friday vibes 6','black-friday-vibes-6','images/black-friday-vibes-NCR-6.jpg','',0,'2022-11-24 16:07:29','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',15,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(103,42,'Black Friday vibes 7','black-friday-vibes-7','images/black-friday-vibes-NCR-7.jpg','',0,'2022-11-24 16:07:48','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',25,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(104,42,'Black Friday vibes 8','black-friday-vibes-8','images/black-friday-vibes-NCR-8.jpg','',0,'2022-11-24 16:08:02','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',26,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(105,42,'Black Friday vibes 9','black-friday-vibes-9','images/black-friday-vibes-NCR-9.jpg','',0,'2022-11-25 10:27:51','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',27,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(106,42,'Black Friday vibes 10','black-friday-vibes-10','images/black-friday-vibes-NCR-10.jpg','',0,'2022-11-25 10:28:14','0000-00-00 00:00:00',0,'0000-00-00 00:00:00',29,'{\"link_type\":\"\",\"link_menu\":\"111\",\"link_url\":\"\",\"link_article\":\"\",\"link_target\":\"\",\"link_rel\":\"\",\"alt_attr\":\"\",\"title_attr\":\"\"}'),(107,42,'2022 Notice to 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With its responsive Liquid layout the template will look as great whether viewed on a high or low screen resolution. Three Presets fully adjustable in the backend with unlimited colors, allowing for adjusting your theme with ease to suit your establishment. Included is an easy Quick Start Package that will simplify installation and refinement even to the novice.<br \\/><br \\/>\\n\\t\\t\\t<strong>Vina Royal II<\\/strong> is the upgraded version of Vina Royal for Joomla 3 with many new features: Helix Framework inside, Responsive Layout, Shortcode, support RTL languages ... and totally FREE!\\n\\t\\t\\t<h3>Main Features<\\/h3>\\n\\t\\t\\t<ul class=\\\"arrow\\\">\\n\\t\\t\\t\\t<li>Responsive Design: This means that you only need one template for the desktop, iPad, iPhone and other mobile devices.<\\/li>\\n\\t\\t\\t\\t<li>Mega Menu: allows you to display a ton of content in menu item including text, images, module and articles.\\n- 3 Presets: Users can decorate their websites selecting 3 styles that Our Templates offers. 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All rights reserved.\",\"authorEmail\":\"support@joomshaper.com\",\"authorUrl\":\"http:\\/\\/www.joomshaper.com\",\"version\":\"2.5\",\"description\":\"Helix V2 Shortcode Generator\",\"group\":\"\",\"filename\":\"helix_shortcode\"}','{}','','',0,'0000-00-00 00:00:00',0,0),(10004,0,'shaper_helix_ii','template','shaper_helix_ii','',0,1,1,0,'{\"name\":\"shaper_helix_ii\",\"type\":\"template\",\"creationDate\":\"Feb 2013\",\"author\":\"JoomShaper.com\",\"copyright\":\"Copyright (C) 2010 - 2017 JoomShaper.com. All rights reserved.\",\"authorEmail\":\"support@joomshaper.com\",\"authorUrl\":\"http:\\/\\/www.joomshaper.com\",\"version\":\"2.5\",\"description\":\"\\n\\t\\t\\n\\t\\t\\tShaper Helix \\u2013 II is the default\\/blank template of Helix Framework version 2.<br \\/>\\n\\t\\t\\tThis template has all the in built functionality of Helix 2.0. Helix - II comes with tons of shortcode such for video, gallery, slideshow, tabs, accordion etc.\\n\\t\\t\\tHelix 2.0 especially comes with rich administration features such as logo settings, masterpiece layout builder,\\n\\t\\t\\tmega menu, unlimited fonts control, Google analytics,\\n\\t\\t\\tLess complitation and all types of presets control like header color, link color, background color so on.\\n\\t\\t\\tNow you don\\u2019t need to worry about its speed. The built-in css and javascript compresses\\n\\t\\t\\tused by Helix to provide optimal performance.\\n\\t\\t\\t<h3>Key Features<\\/h3>\\n\\t\\t\\t<ul class=\\\"arrow\\\">\\n\\t\\t\\t\\t<li>Unlimited module positions with the power of unique layout builder<\\/li>\\n\\t\\t\\t\\t<li>Powered by Bootstrap and compatible with Joomla 2.5 and 3.0<\\/li>\\n\\t\\t\\t\\t<li>Three (3) presets with presets manager<\\/li>\\n\\t\\t\\t\\t<li>Uses latest web technologies like html5 and css3<\\/li>\\n\\t\\t\\t\\t<li>Tons of shortcodes in built<\\/li>\\n\\t\\t\\t\\t<li>Built with LESS CSS<\\/li>\\n\\t\\t\\t\\t<li>Megamenu, RTL Support, CSS and JS compression and many more...<\\/li>\\n\\t\\t\\t<\\/ul>\\n\\t\\t\\n\\t\",\"group\":\"\",\"filename\":\"templateDetails\"}','{\"layout_width\":\"1170\",\"layout_type\":\"responsive\",\"logo_type\":\"image\",\"logo_position\":\"logo\",\"logo_type_text\":\"Helix\",\"logo_type_slogan\":\"Joomla! 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All Rights Reserved.\",\"show_helix_logo\":\"1\",\"jcredit\":\"1\",\"credit_link\":\"1\",\"credit_text\":\"Designed by {JoomShaper}\",\"validator\":\"0\",\"showtop\":\"1\",\"totop_position\":\"footer2\",\"preset\":\"preset1\",\"preset1_header\":\"#f8f8f8\",\"preset1_bg\":\"#f2f2f2\",\"preset1_text\":\"#666666\",\"preset1_link\":\"#22b8f0\",\"preset2_header\":\"#eeeeee\",\"preset2_bg\":\"#f5f5f5\",\"preset2_text\":\"#444444\",\"preset2_link\":\"#6d7f1b\",\"preset3_header\":\"#e5ddd5\",\"preset3_bg\":\"#f2f2f2\",\"preset3_text\":\"#333333\",\"preset3_link\":\"#aa824a\",\"menu\":\"mainmenu\",\"menutype\":\"mega\",\"menu_col_width\":\"200\",\"show_menu_image\":\"1\",\"menu_image_position\":\"1\",\"submenu_position\":\"0\",\"init_x\":\"0\",\"init_y\":\"0\",\"sub_x\":\"0\",\"sub_y\":\"0\",\"body_font\":\"\",\"header_font\":\"\",\"header_selectors\":\"\",\"other_font\":\"\",\"cache_time\":\"60\",\"compress_css\":\"0\",\"compress_js\":\"0\",\"enable_ga\":\"0\",\"ga_code\":\"\",\"loadjquery\":\"0\",\"loadfromcdn\":\"0\",\"lessoption\":\"1\",\"hide_component_area\":\"0\"}','','',0,'0000-00-00 00:00:00',0,0),(10005,0,'Vinaora Nivo Slider','module','mod_vt_nivo_slider','',0,1,0,0,'{\"name\":\"Vinaora Nivo Slider\",\"type\":\"module\",\"creationDate\":\"Oct 2014\",\"author\":\"VINAORA\",\"copyright\":\"Copyright (C) 2011-2014 VINAORA. All rights reserved.\",\"authorEmail\":\"info@vinaora.com\",\"authorUrl\":\"http:\\/\\/vinaora.com\",\"version\":\"3.3.0\",\"description\":\"MOD_VT_NIVO_SLIDER_XML_DESCRIPTION\",\"group\":\"\",\"filename\":\"mod_vt_nivo_slider\"}','{\"demo\":\"-1\",\"theme\":\"default\",\"slide_width\":\"auto\",\"slide_height\":\"auto\",\"item_path\":\"\",\"item_title\":\"\",\"item_description\":\"\",\"item_url\":\"\",\"item_target\":\"_blank\",\"effect\":\"fold\",\"slices\":\"15\",\"boxCols\":\"8\",\"boxRows\":\"4\",\"animSpeed\":\"500\",\"pauseTime\":\"3000\",\"startSlide\":\"0\",\"directionNav\":\"1\",\"controlNav\":\"1\",\"pauseOnHover\":\"1\",\"manualAdvance\":\"1\",\"prevText\":\"Prev\",\"nextText\":\"Next\",\"ribbon\":\"1\",\"controlPosition\":\"bottomright\",\"controlStyle\":\"05\",\"arrowStyle\":\"10\",\"titleColor\":\"#333333\",\"titleFontSize\":\"18\",\"titleFontStyle\":\"\",\"descColor\":\"#333333\",\"descFontSize\":\"12\",\"descFontStyle\":\"\",\"captionWidth\":\"auto\",\"captionHeight\":\"auto\",\"captionBackground\":\"#ffffcc\",\"captionPosition\":\"all\",\"captionMarginVertical\":\"\",\"captionMarginHorizontal\":\"\",\"captionRounded\":\"all\",\"slide_bgcolor\":\"\",\"slide_bdcolor\":\"\",\"slide_bdwidth\":\"0\",\"slide_bdrounded\":\"0\",\"slide_bdshadow\":\"0\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"controlNavThumbs\":\"false\"}','','',0,'0000-00-00 00:00:00',0,0),(10006,0,'BT Content Slider','module','mod_bt_contentslider','',0,1,0,0,'{\"name\":\"BT Content Slider\",\"type\":\"module\",\"creationDate\":\"Sep 2011\",\"author\":\"www.bowthemes.com\",\"copyright\":\"Copyright (C) 2016 Bowthemes. 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2017\",\"author\":\"DJ-Extensions.com\",\"copyright\":\"Copyright (C) 2017 DJ-Extensions.com, All rights reserved.\",\"authorEmail\":\"contact@dj-extensions.com\",\"authorUrl\":\"http:\\/\\/dj-extensions.com\",\"version\":\"3.2.3\",\"description\":\"DJ-ImageSlider component\",\"group\":\"\"}','{}','','',0,'0000-00-00 00:00:00',0,0),(10010,10011,'DJ-ImageSlider','module','mod_djimageslider','',0,1,0,0,'{\"name\":\"DJ-ImageSlider\",\"type\":\"module\",\"creationDate\":\"August 2017\",\"author\":\"DJ-Extensions.com\",\"copyright\":\"Copyright (C) 2017 DJ-Extensions.com, All rights reserved.\",\"authorEmail\":\"contact@dj-extensions.com\",\"authorUrl\":\"http:\\/\\/dj-extensions.com\",\"version\":\"3.2.3\",\"description\":\"DJ-ImageSlider Module\",\"group\":\"\",\"filename\":\"mod_djimageslider\"}','{\"slider_source\":\"0\",\"slider_type\":\"0\",\"theme\":\"default\",\"link_image\":\"1\",\"image_folder\":\"images\\/sampledata\\/fruitshop\",\"link\":\"\",\"show_title\":\"1\",\"show_desc\":\"1\",\"show_readmore\":\"0\",\"readmore_text\":\"\",\"link_title\":\"1\",\"link_desc\":\"0\",\"limit_desc\":\"\",\"full_width\":\"0\",\"image_width\":\"240\",\"image_height\":\"180\",\"fit_to\":\"0\",\"image_centering\":\"0\",\"visible_images\":\"3\",\"space_between_images\":\"10\",\"max_images\":\"20\",\"sort_by\":\"1\",\"css3\":\"1\",\"autoplay\":\"1\",\"looponce\":\"0\",\"show_buttons\":\"1\",\"show_arrows\":\"1\",\"show_custom_nav\":\"0\",\"wcag\":\"1\",\"desc_width\":\"\",\"desc_bottom\":\"0\",\"desc_horizontal\":\"0\",\"left_arrow\":\"\",\"right_arrow\":\"\",\"play_button\":\"\",\"pause_button\":\"\",\"arrows_top\":\"40\",\"arrows_horizontal\":\"10\",\"idx_style\":\"0\",\"effect\":\"Expo\",\"effect_type\":\"0\",\"duration\":\"\",\"delay\":\"\",\"preload\":\"800\",\"cache\":\"1\",\"cache_time\":\"900\"}','','',0,'0000-00-00 00:00:00',0,0),(10011,0,'DJ-ImageSlider Package','package','pkg_dj-imageslider','',0,1,1,0,'{\"name\":\"DJ-ImageSlider Package\",\"type\":\"package\",\"creationDate\":\"August 2017\",\"author\":\"DJ-Extensions.com\",\"copyright\":\"Copyright (C) 2017 DJ-Extensions.com, All rights reserved.\",\"authorEmail\":\"contact@dj-extensions.com\",\"authorUrl\":\"http:\\/\\/dj-extensions.com\",\"version\":\"3.2.3\",\"description\":\"\\n\\t\\t<style type=\\\"text\\/css\\\">\\n\\t\\t\\t.djex-info { padding: 20px 30px 10px; margin: 0 0 20px 0; background: #ac00d4; color: #fff; border: 1px solid #81009f; font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-weight: normal; -webkit-border-radius: 4px; border-radius: 4px; }\\n\\t\\t\\t.djex-title { text-transform: uppercase; font-weight: bold; font-size: 14px; }\\n\\t\\t\\t.djex-info a:link, .djex-info a:visited, .djex-info a:hover { color:#fff; text-decoration:underline; font-weight: 600; }\\t\\n\\t\\t\\t.djex-info img { float: left; margin: 0 30px 10px 0; }\\n\\t\\t<\\/style>\\n\\t\\t<div class=\\\"djex-info\\\">\\n\\t\\t\\t<a href=\\\"index.php?option=com_djimageslider\\\"><img src=\\\"components\\/com_djimageslider\\/assets\\/ex_slider.png\\\" \\/><\\/a>\\n\\t\\t\\t<p class=\\\"djex-title\\\">Thank you for installing DJ-ImageSlider!<\\/p>\\n\\t\\t\\t<p>The DJ-ImageSlider extension allows you to display slideshows containing slides with title and short description linked to any menu item, article or custom url address. \\n\\t\\t\\tIf you want to learn how to use DJ-ImageSlider please read <a target=\\\"_blank\\\" href=\\\"http:\\/\\/dj-extensions.com\\/documentation\\\">Documentation<\\/a> and <a target=\\\"_blank\\\" href=\\\"http:\\/\\/dj-extensions.com\\/faq\\\">FAQ section<\\/a><\\/p>\\n\\t\\t\\t<p>Check out our other extensions at <a target=\\\"_blank\\\" href=\\\"http:\\/\\/dj-extensions.com\\\">DJ-Extensions.com<\\/a><\\/p>\\n\\t\\t\\t<div style=\\\"clear:both\\\"><\\/div>\\n\\t\\t<\\/div>\\n\\t\\t\",\"group\":\"\",\"filename\":\"pkg_dj-imageslider\"}','{}','','',0,'0000-00-00 00:00:00',0,0),(10012,0,'plg_installer_webinstaller','plugin','webinstaller','installer',0,1,1,0,'{\"name\":\"plg_installer_webinstaller\",\"type\":\"plugin\",\"creationDate\":\"28 April 2017\",\"author\":\"Joomla! 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All rights reserved.\",\"authorEmail\":\"info@outsmartit.be\",\"authorUrl\":\"www.outsmartit.be\",\"version\":\"2.0.1\",\"description\":\"MOD_OUTSMARTITOWL_XML_DESCRIPTION\",\"group\":\"\",\"filename\":\"mod_outsmartitowl\"}','{\"carousel_type\":\"O\",\"nrOfItems\":\"3\",\"autoplay\":\"1\",\"loop\":\"0\",\"CarSpeed\":\"3000\",\"pagination\":\"1\",\"navigation\":\"0\",\"mycaption\":\"1\",\"bigcaption\":\"0\",\"add_jquery\":\"1\",\"cache\":\"0\"}','','',0,'0000-00-00 00:00:00',0,0),(10014,0,'BM Cool Menu','module','mod_bm_cool_menu','',0,1,0,0,'{\"name\":\"BM Cool Menu\",\"type\":\"module\",\"creationDate\":\"October 2014\",\"author\":\"Brainymore\",\"copyright\":\"Copyright (C) 2005 - 2014 Open Source Matters. 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Defaults to 1 when omitted.\\n\\t<em>border<\\/em>      : 0=no border, 1=with border. Defaults to 1 when omitted.\\n\\t<em>urlparams<\\/em>   : Parameters to pass in URL style (no commas or closing brackets allowed).\\n\\t<em>suffix<\\/em>      : Suffix appended to all CSS class names in the form.\\n\\n<\\/pre><\\/code><h3>Examples:<\\/h3><code><pre>\\n\\t{ BreezingForms : SampleContactForm }\\n\\t{ BreezingForms : MyVeryForm, 2 }\\n\\t{ BreezingForms : AnotherForm, 1, 0, &amp;amp;ff_param_xy=123&amp;amp;ff_param_foo=bar }\\n\\t{BreezingForms:testform,,,&amp;amp;ff_param_foo=bar,mysuffix}\\n<\\/pre><\\/code>But attention with the following one. 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00:00:00',1,'mod_easyaccordioncontent',1,1,'{\"jQuery\":\"0\",\"ReadMoreText\":\"Read More...\",\"fontStyle\":\"Open+Sans\",\"titleBg\":\"#f48e1c\",\"titleText\":\"#eeeeee\",\"contentBg\":\"#f7f7f7\",\"contentText\":\"#333333\",\"Title1\":\" Second Quarter | June 2023\",\"Text1\":\"<a href=\\\"documents\\/CCMR\\/CCMR 2023Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South\\r\\nAfrican consumer credit market in terms of the National Credit Act which came\\r\\ninto eff ect in June 2006.<\\/a>\",\"Link1\":\"\",\"Title2\":\"First Quarter | March 2023\",\"Text2\":\"<a href=\\\"documents\\/CCMR\\/CCMR 2023Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a>\",\"Link2\":\"\",\"Title3\":\"Fourth 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style=\"width: 330px; background-color: #f7921e; text-align: center; color: #fff; font-size: 18px; padding-bottom: 18px; font-weight: bold; margin: 0 auto;\">\r\n<p><a href=\"index.php/procument/current-tenders\"><img src=\"images/scm3.png\" alt=\"stationary\" width=\"330\" height=\"220\" /></a></p>\r\n<p style=\"color: #ffffff;\">Procurement</p>\r\n</div>',1,'bottom5',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,0,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(96,72,'Media','','<p> </p>\r\n<div style=\"width: 330px; background-color: #f7921e; text-align: center; color: #fff; font-size: 18px; padding-bottom: 18px; font-weight: bold; margin: 0 auto;\">\r\n<p><a href=\"index.php/medias/webinars\"><img src=\"images/media7.png\" alt=\"stationary\" width=\"330\" height=\"220\" /></a></p>\r\n<p style=\"color: #ffffff;\">Media</p>\r\n</div>',1,'bottom6',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,0,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(97,73,'Careers','','<p> </p>\r\n<div style=\"width: 330px; background-color: #f7921e; text-align: center; color: #fff; font-size: 18px; padding-bottom: 10px; font-weight: bold; margin: 0 auto;\">\r\n<p><a href=\"index.php/careers\"><img src=\"images/jobs3.jpg\" alt=\"stationary\" width=\"330\" height=\"220\" /></a></p>\r\n<p style=\"color: #ffffff;\">Career</p>\r\n</div>',1,'bottom7',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,0,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(98,74,'Search','','',1,'top1',0,'0000-00-00 00:00:00','2019-06-25 15:46:31','0000-00-00 00:00:00',1,'mod_search',1,0,'{\"label\":\"GO\",\"width\":\"\",\"text\":\"\",\"button\":\"1\",\"button_pos\":\"left\",\"imagebutton\":\"0\",\"button_text\":\"\",\"opensearch\":\"1\",\"opensearch_title\":\"\",\"set_itemid\":\"0\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"itemid\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(99,75,'Contact details','','<p style=\"color: #ffffff;\"><strong>Physical Address </strong><br />127 - 15th Road<br /> Randjespark<br /> Midrand<br /> 1683</p>\r\n<p style=\"color: #ffffff;\"><strong>Physical Address </strong><br />Call-Centre, Complaints and Investigations Department <br />232-15th Road<br /> Randjespark<br /> Midrand<br /> 1683</p>\r\n<!--<p style=\"color: #ffffff;\"><strong>Physical Address </strong><br /> 232 - 15th Road<br /> Randjespark<br /> Midrand<br /> 1683</p>-->',1,'bottom1',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(100,76,'Publications','','<p><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=27\">Annual Reports</a><br /> <a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=46\">Credit Bureau Monitor (CBM)</a><br /><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=48\"> Consumer Credit Market Report (CCMR)</a><br /> <a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=25\">Circulars</a> <br /><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=28\"> Promotion of Access to Information Act</a><br /> <a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=34\"> Public Notices</a><br /><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=33\">Educational Information And Brochures</a> <br />Newsletter<br /><a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=28\">Legislation</a><br /> <a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=29\">Guidelines</a><br /> <a style=\"color: #fff; text-decoration: none;\" href=\"index.php?option=com_content&amp;view=article&amp;id=30\">Research Reports</a></p>',1,'bottom2',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(101,78,'Consumer Rights','','',1,'bottom3',0,'0000-00-00 00:00:00','2019-03-07 06:55:57','0000-00-00 00:00:00',-2,'mod_menu',1,1,'{\"menutype\":\"consumer-rights\",\"base\":\"\",\"startLevel\":\"1\",\"endLevel\":\"0\",\"showAllChildren\":\"1\",\"tag_id\":\"\",\"class_sfx\":\"\",\"window_open\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"itemid\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(102,79,'Consumer Rights','','<p><a style=\"text-decoration: none; color: #fff;\" href=\"index.php/departments/education-and-communications/15-education-and-communications/23-consumer-assistance\">Consumer Assistance</a><br /> <a style=\"text-decoration: none; color: #fff;\" href=\"index.php/departments/education-and-communications/15-education-and-communications/36-consumer-rights\">Know your rights</a><br /><a style=\"text-decoration: none; color: #fff;\" href=\"index.php/departments/education-and-communications/15-education-and-communications/37-consumer-tips\"> Consumer Tips</a><br /><a style=\"text-decoration: none; color: #fff;\" href=\"index.php?option=com_content&amp;view=article&amp;id=35\">Challenge Credit Record</a></p>\r\n<h3 style=\"border-bottom: 2px solid #f7921e;\">Operating Hours</h3>\r\n<p style=\"color: #ffffff;\"><strong>Mon - Thur :</strong> 8AM - 5PM<br /> <strong>Friday : </strong>8AM - 4:30PM</p>\r\n<p style=\"color: #ffffff;\"><strong>Call Centre</strong><br /> 0860 627 627</p>\r\n<p style=\"color: #ffffff;\"><strong>Telephone</strong><br /> 011 554 2700</p>',1,'bottom3',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 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 hidden-phone visible-tablet\",\"cache\":\"1\",\"cache_time\":\"900\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(104,82,'Departments','','',1,'position2',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',0,'mod_outsmartitowl',1,0,'{\"image1\":\"images\\/invest.png\",\"title1\":\"\",\"caption1\":\"\",\"link1\":\"http:\\/\\/www.ncr.org.zhttp:\\/\\/localhost\\/final\\/index.php\\/departments\\/investigations-and-enforcementa\\/demo\\/index.php\\/departments\\/investigations-and-enforcement\",\"image2\":\"images\\/com.png\",\"title2\":\"\",\"caption2\":\"\",\"link2\":\"http:\\/\\/localhost\\/final\\/index.php\\/departments\\/complaints\",\"image3\":\"images\\/debt.png\",\"title3\":\"\",\"caption3\":\"\",\"link3\":\"\",\"image4\":\"images\\/education.png\",\"title4\":\"\",\"caption4\":\"\",\"link4\":\"\",\"image5\":\"images\\/reg1.png\",\"title5\":\"\",\"caption5\":\"\",\"link5\":\"\",\"image6\":\"images\\/coms.png\",\"title6\":\"\",\"caption6\":\"\",\"link6\":\"\",\"image7\":\"\",\"title7\":\"\",\"caption7\":\"\",\"link7\":\"\",\"image8\":\"\",\"title8\":\"\",\"caption8\":\"\",\"link8\":\"\",\"image9\":\"\",\"title9\":\"\",\"caption9\":\"\",\"link9\":\"\",\"image10\":\"\",\"title10\":\"\",\"caption10\":\"\",\"link10\":\"\",\"carousel_type\":\"I\",\"nrOfItems\":\"3\",\"autoplay\":\"1\",\"loop\":\"1\",\"CarSpeed\":\"3000\",\"pagination\":\"1\",\"navigation\":\"0\",\"mycaption\":\"0\",\"bigcaption\":\"0\",\"add_jquery\":\"1\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"0\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(105,83,'National Credit Act','','<p style=\"color: #fff;\"><a style=\"text-decoration: none; color: #fff;\" href=\"index.php?option=com_content&amp;view=article&amp;id=21\">Download the National Credit Act</a><br /> <a style=\"text-decoration: none; color: #fff;\" href=\"index.php?option=com_content&amp;view=article&amp;id=21\">National Credit Amendment Act</a><br /> <a style=\"text-decoration: none; color: #fff;\" href=\"index.php?option=com_content&amp;view=article&amp;id=21\">National Credit Regulations</a><br /><a style=\"text-decoration: none; color: #fff;\" href=\"index.php?option=com_content&amp;view=article&amp;id=32&amp;catid=19\">Background Documents on the NCA</a></p>\r\n<p><img src=\"images/dtic-logo-2020.jpg\" alt=\"\" width=\"250\" /></p>\r\n<p> </p>\r\n<h3 style=\"font-size: 18px;\">Fraud / Anti-Corruption Hotline</h3>\r\n<p style=\"color: #ffffff; font-weight: bold;\">Report any incidents of wrong doing<br /> to the KPMG Ethics Line</p>\r\n<p style=\"color: #f7921e; font-weight: bold; font-size: 18px;\">0800 20 53 17 (Toll Free)</p>',1,'bottom4',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(106,84,'Money Smart Week','','<p><a href=\"https://www.mswsa.co.za/\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"display: block; margin-left: auto; margin-right: auto;\" src=\"images/money_week.jpg\" alt=\"\" width=\"570: height = \" /></a></p>',1,'user2',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(107,85,'Covid-19 online news portal','','<p style=\"text-align: center;\"><a href=\"https://sacoronavirus.co.za/\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"images/covid19_portal.jpg\" alt=\"\" width=\"570\" height=\"\" /></a></p>',1,'user3',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(108,86,'BM Cool Menu','','',1,'position3',0,'0000-00-00 00:00:00','2019-06-24 13:39:13','0000-00-00 00:00:00',1,'mod_bm_cool_menu',1,0,'{\"menutype\":\"mainmenu\",\"base\":\"\",\"startLevel\":\"1\",\"endLevel\":\"10\",\"showAllChildren\":\"1\",\"text_color\":\"#ffffff\",\"text_hover_color\":\"#ffffff\",\"bgmenu\":\"#b8b9bb\",\"bgimage\":\"\",\"showBorder\":\"1\",\"border_radius\":\"4px\",\"border_color\":\"#151b54\",\"bg_color_actice\":\"#f7921e\",\"jquery\":\"0\",\"tag_id\":\"\",\"class_sfx\":\"\",\"window_open\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"hidden-phone\\r\\nhidden-tablet\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"itemid\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(109,87,'Contact info','','<p style=\"color: #f7921e; text-align: right;\" align=\"right;\"><strong> <em class=\"icon-phone\"><span class=\"hidden\">phone</span> </em> 0860 627 627 (Call Centre) / 011 554 2700  (Reception) </strong></p>\r\n<p style=\"color: #f7921e; text-align: right;\" align=\"right;\"><strong> <em class=\"icon-envelope\"><span class=\"hidden\">contact</span> </em> info@ncr.org.za / complaints@ncr.org.za / workshops@ncr.org.za</strong></p>',1,'top2',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,0,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(110,88,'AUDIO','','<p>[audio src=\"/images/audio/SWMC030002E.mp3\"] </p>\r\n<p>[audio src=\"/images/audio/SWMC030002E.mp3\" loop=\"on\" preload=\"auto\" autoplay=\"on\"]</p>\r\n<p> </p>\r\n<p> </p>',1,'user4',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',0,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(111,94,'BreezingForms','','',0,'',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',0,'mod_breezingforms',1,1,'',0,'*'),(112,105,'News','','',1,'right',0,'0000-00-00 00:00:00','2019-03-28 14:58:31','0000-00-00 00:00:00',-2,'mod_articles_latest',1,1,'{\"catid\":[\"8\"],\"count\":\"5\",\"show_featured\":\"\",\"ordering\":\"c_dsc\",\"user_id\":\"0\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h2\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(113,111,'Brochures','','<p><a href=\"http://www.ncr.org.za/images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"display: block; margin-left: auto; margin-right: auto;\" src=\"http://www.ncr.org.za/images/Public Notices/always_make_sure.jpg\" alt=\"\" width=\"157\" height=\"192\" /></a></p>\r\n<p><a href=\"http://www.ncr.org.za/images/Public%20Notices/NCR SWBW_DAILY SUN_210MMX185MM_2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img style=\"display: block; margin-left: auto; margin-right: auto;\" src=\"http://www.ncr.org.za/images/Public Notices/dont-be-tempted.jpg\" alt=\"\" width=\"157\" height=\"192\" /></a></p>',1,'right',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',0,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(114,120,'Cases','','',1,'position-7',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_easyaccordioncontent',1,0,'{\"jQuery\":\"1\",\"ReadMoreText\":\"Read More...\",\"fontStyle\":\"Open+Sans\",\"titleBg\":\"#f48e1c\",\"titleText\":\"#eeeeee\",\"contentBg\":\"#f7f7f7\",\"contentText\":\"#333333\",\"Title1\":\"Debt Counselling Cases\",\"Text1\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Debt Counselor\\/NCR v Christopher Bornmam.pdf\\\"> NCR v Christopher Bornmam <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/NCR v De Klerk.pdf\\\">NCR v De Klerk <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Debt Counselor\\/NCR v Dioka.pdf\\\">NCR v Dioka <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Debt Counselor\\/NCR v Hefferman.pdf\\\"> NCR v Hefferman <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Debt Counselor\\/NCR V Johan Walter Van Zyl.pdf\\\"> NCR V Johan Walter Van Zyl <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Debt Counselor\\/NCR v Ndlela.pdf\\\">NCR v Ndlela <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Debt Counselor\\/NCR V Venessa Hewitt.pdf\\\"> NCR V Venessa Hewitt <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"Link1\":\"\",\"Title2\":\"Credit Provider Cases\",\"Text2\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/African Bank Limited v NCR and others.pdf\\\"> African Bank Limited v NCR and others <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/Matile Joseph Ditshego and others v Brusson Finance (PTY) LTD.pdf\\\">Matile Joseph Ditshego and others v Brusson Finance (PTY) LTD <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/Moneyline Financial Services (Pty) LTD v NCR.pdf\\\">Moneyline Financial Services (Pty) LTD v NCR <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/NCR V Allied Capital.pdf\\\"> NCR V Allied Capital <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Bucksaver Beleggings CC.pdf\\\"> NCR v Bucksaver Beleggings CC <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Capitec Bank.pdf\\\">NCR v Capitec Bank <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/ncr v Credit Care.pdf\\\"> NCR v Credit Care <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v De noons Cash Loans.pdf\\\"> NCR v De noons Cash Loans <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR V EDCON LIMITED.pdf\\\"> NCR V EDCON Limited <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR V Firstrand bank, Standard Bank, Absa Bank, Johan Erik Juselius and Onecor..pdf\\\"> NCR v NCR V Firstrand bank, Standard Bank, Absa Bank, Johan Erik Juselius and Onecor<\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR V Gauteng Motors Finances (PTY) LTD.pdf\\\"> NCR V Gauteng Motors Finances (PTY) LTD <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Hosia Dedrick Kwape (Phakamis Financial Services).pdf\\\"> NCR v Hosia Dedrick Kwape (Phakamis Financial Services) <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Lewis Stores.pdf\\\"> NCR v Lewis Stores <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Lightning Cash Loans CC.pdf\\\"> NCR v Lightning Cash Loans CC <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Louhen Consultants.pdf\\\"> NCR v Louhen Consultants <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR V Midwicket Trading 525 CC (Butterfly Cash Loans).pdf\\\"> NCR V Midwicket Trading 525 CC (Butterfly Cash Loans) <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Moneyline.pdf\\\"> NCR v Moneyline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Nedbank.pdf\\\"> NCR v Nedbank <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Quick Step Finances (PTY) LTD.pdf\\\"> NCR v Quick Step Finances (PTY) LTD <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/NCR v Rufus Alfonso Financial Consultants CC.pdf\\\"> NCR v Rufus Alfonso Financial Consultants CC<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/NCR V Self Discovery Cash and Markerting CC.pdf\\\"> NCR V Self Discovery Cash and Markerting CC<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/NCR v Sinako Kontant Lenings CC.pdf\\\">NCR v Sinako Kontant Lenings CC<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Standard Bank Of South Africa Limited.pdf\\\"> NCR v Standard Bank Of South Africa Limited<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR V Vaidro (Vuleka Cash Loans).pdf\\\"> NCR V Vaidro (Vuleka Cash Loans)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR VS AKUDLE KUTISHIYELE JUDGEMENT.pdf\\\"> NCR VS Akudle Kutishiyele<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/SA Taxi Securitisation (PTY) LTD v NCR.pdf\\\"> SA Taxi Securitisation (PTY) LTD v NCR<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/Wesbank and Deon Winston v NCR.pdf\\\"> Wesbank and Deon Winston v NCR<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Rustmar (Money Wise CC).pdf\\\"> NCR v Rustmar (Money Wise CC)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/NCR v Standard Bank of South Africa Limited (Set-off).pdf\\\"> NCR v Standard Bank of South Africa Limited (Set-off)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/Credit Provider\\/Volkswagen_Financial_Services_South_Africa_PTY_Ltd_v_NCR_Road_Fees.pdf\\\"> Volkswagen Financial Services South Africa (PTY) Ltd v NCR (Road Fees)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"Link2\":\"\",\"Title3\":\"Credit Bureaus Cases\",\"Text3\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/cases\\/credit bureau cases\\/National Credit Regulator v South African Fraud Prevention Services (Supreme Court Decision).pdf\\\"> National Credit Regulator v South African Fraud Prevention Services (Supreme Court Decision) <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/cases\\/credit bureau cases\\/National Credit Regulator v South African Fraud Prevention Services.pdf\\\">National Credit Regulator v South African Fraud Prevention Services <\\/a><\\/td>\\r\\n\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"Link3\":\"\",\"Title4\":\"\",\"Text4\":\"\",\"Link4\":\"\",\"Title5\":\"\",\"Text5\":\"\",\"Link5\":\"\",\"Title6\":\"\",\"Text6\":\"\",\"Link6\":\"\",\"Title7\":\"\",\"Text7\":\"\",\"Link7\":\"\",\"Title8\":\"\",\"Text8\":\"\",\"Link8\":\"\",\"Title9\":\"\",\"Text9\":\"\",\"Link9\":\"\",\"Title10\":\"\",\"Text10\":\"\",\"Link10\":\"\",\"Title11\":\"\",\"Text11\":\"\",\"Link11\":\"\",\"Title12\":\"\",\"Text12\":\"\",\"Link12\":\"\",\"Title13\":\"\",\"Text13\":\"\",\"Link13\":\"\",\"Title14\":\"\",\"Text14\":\"\",\"Link14\":\"\",\"Title15\":\"\",\"Text15\":\"\",\"Link15\":\"\",\"Title16\":\"\",\"Text16\":\"\",\"Link16\":\"\",\"Title17\":\"\",\"Text17\":\"\",\"Link17\":\"\",\"Title18\":\"\",\"Text18\":\"\",\"Link18\":\"\",\"Title19\":\"\",\"Text19\":\"\",\"Link19\":\"\",\"Title20\":\"\",\"Text20\":\"\",\"Link20\":\"\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(115,121,'dont ignore your debt','','<p><img style=\"display: block; margin-left: auto; margin-right: auto;\" src=\"images/NCR-1080x720-3.gif\" alt=\"\" width=\"250\" /></p>',1,'right',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 00:00:00',1,'mod_custom',1,0,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(116,122,'Latest news','','',1,'right',0,'0000-00-00 00:00:00','2019-03-27 13:57:13','0000-00-00 00:00:00',1,'mod_coalawebnews',1,1,'{\"catid\":[\"8\"],\"more_from\":\"0\",\"morefrom_text\":\"\",\"item_title\":\"1\",\"link_titles\":\"1\",\"item_heading\":\"h4\",\"count\":\"3\",\"max_char\":\"100\",\"ordering\":\"a.publish_up\",\"direction\":\"1\",\"show_readmore\":\"1\",\"readmore_text\":\"Read 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...</p>\r\n</div>',1,'position9',0,'0000-00-00 00:00:00','2019-05-09 09:24:27','0000-00-00 00:00:00',0,'mod_custom',1,1,'{\"prepare_content\":\"0\",\"backgroundimage\":\"\",\"layout\":\"_:default\",\"moduleclass_sfx\":\"\",\"cache\":\"1\",\"cache_time\":\"900\",\"cachemode\":\"static\",\"module_tag\":\"div\",\"bootstrap_size\":\"0\",\"header_tag\":\"h3\",\"header_class\":\"\",\"style\":\"0\"}',0,'*'),(126,181,'News','','<div style=\"width: 250px;\">\r\n<p style=\"font-size: 14px; font-weight: bold; color: #d67900;\"><a style=\"text-decoration: none;\" href=\"index.php/latest-news\">Tribunal finds that the on the road fee, admin fee and handling fee...</a></p>\r\n<img src=\"images/credit-bureau267.jpg\" alt=\"\" width=\"250\" height=\"166\" />\r\n<p>The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice...</p>\r\n</div>',1,'position10',0,'0000-00-00 00:00:00','0000-00-00 00:00:00','0000-00-00 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','','ncr840012023-appointment-of-a-service-provider-for-graphic-design-layout-writing-editing-proof-reading-photography-printing-and-courier-the-national-credit-regulator-s-annual-reports-for-the-2022-23-2023-24-and-2024-25-financial-years-strategy-plan-for-20','','','',1,0,'0000-00-00 00:00:00',NULL,276,1,'0','0','0','2023-01-20 00:00:00',0,0,NULL,'','',NULL,'*'),(300,2,0,'NCR841012023 - Appointment of service provider for the provision, support & maintenance of the lightning and surge protection equipment in ncr’s two (2) server room','','ncr841012023-appointment-of-service-provider-for-the-provision-support-maintenance-of-the-lightning-and-surge-protection-equipment-in-ncr-s-two-2-server-room','','','',1,0,'0000-00-00 00:00:00',NULL,277,1,'0','0','0','2023-01-20 00:00:00',0,0,NULL,'','',NULL,'*'),(301,14,0,'NCR831/11/2022 - The appointment of a service provider for the server room alert and notification system for a period of 2 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','','ncr852-05-2023-appointment-of-a-service-provider-for-rprovision-of-maitenance-support-and-provision-of-licence-updates-for-the-sage-300-people-system','','','',1,0,'0000-00-00 00:00:00',NULL,283,1,'0','0','0','2023-05-29 00:00:00',0,0,NULL,'','',NULL,'*'),(307,2,0,'RFI NUMBER:0001/2023/24 - Request for information for the acquisition / procurement of internet service provider (isp) for the provision of the internet and related infrastructure services','','rfi-number-0001-2023-24-request-for-information-for-the-acquisition-procurement-of-internet-service-provider-isp-for-the-provision-of-the-internet-and-related-infrastructure-services','','','',1,0,'0000-00-00 00:00:00',NULL,284,1,'0','0','0','2023-06-15 00:00:00',0,0,NULL,'','',NULL,'*'),(308,0,0,'NCR ONBOARDING TECHSPRINT','','ncr-onbourding-techsprint','','','<p style=\"text-align: center;\"><img src=\"images/Revised TechSprint Page Banner_v1.jpg\" alt=\"\" width=\"500\" /></p>',1,0,'0000-00-00 00:00:00',NULL,285,1,'0','0','0','2023-08-29 00:00:00',0,0,NULL,'','',NULL,'*'),(309,308,0,'ROUNDTABLES REPORTS ','','roundtables-discussions-and-reports','','','',1,0,'0000-00-00 00:00:00',NULL,286,1,'0','0','0','2023-08-29 00:00:00',0,0,NULL,'','',NULL,'*'),(310,308,0,'TECHBRIEFING','','techsprint-briefing','','','',1,915,'2023-08-29 15:12:15',NULL,287,1,'0','0','0','2023-08-29 00:00:00',0,0,NULL,'','',NULL,'*'),(311,308,0,'TECHSPRINT','','techsprint','','','<p style=\"font-size: 12px;\"><strong>THE NCR TECHSPRINT / </strong>HACKHATHON OPENING SESSION RECORDING, 16 OCTOBER 2023: <a href=\"https://worldbankgroup.zoom.us/rec/share/zB2brGI24kP5p4m9hk4I0LOo1cV7_jo8dxZ0ML1Wq6GzD3t4iksyKPT0GrDw8r_t.Ty41nVBElJ9qIfiR\">please click here to accss the recording</a></p>\r\n<p style=\"font-size: 12px;\"><strong>Passcode:</strong> 7.@$LU!9</p>\r\n<p style=\"font-size: 12px;\"><strong>The NCR TechSprint Demo Day Session Recording - 20 October 2023</strong> - <a href=\"https://worldbankgroup.zoom.us/rec/share/1SrWWxN4xgLXvmVE12iwODlZYGGRRn-Cas2PX4klm-zAOsaVjwyKNTLoSV5gsU_r.QgzBwuqWnSpTJOsk?startTime=1697792253000\">please click here to access the recording</a></p>\r\n<p style=\"font-size: 12px;\"><strong>Passcode:</strong> XJB!t0qT</p>',1,915,'2023-10-23 15:55:15',NULL,288,1,'0','0','0','2023-08-29 00:00:00',0,0,NULL,'','',NULL,'*'),(312,308,0,'SHOWCASE','','techsprint-showcase','','','<p><strong>The NCR Showcase Day Session Recording - 24 October 2023</strong></p>\r\n<p><a href=\"https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fprotect-za.mimecast.com%2Fs%2F9yqXCg5XXRiMrmZUNVOGp&amp;data=05%7C01%7Cjmbaloyi%40ncr.org.za%7C6ad811b62ae74b8b4fa808dbd5dab2b9%7C9c24d5180d3b43368040f585907bddb2%7C0%7C0%7C638338907592654194%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=ngdVvNJEcY%2BVLvKBcMYjcMk%2BjPOcnK%2F6bhqOFFAI6ok%3D&amp;reserved=0\">Please click here to access the recording</a></p>\r\n<p>Passcode: RI!z%h9t</p>',1,915,'2023-11-01 07:41:34',NULL,289,1,'0','0','0','2023-08-29 00:00:00',0,0,NULL,'','',NULL,'*'),(313,310,0,'Tech Briefing Pack','','techsprint-briefing-pack','','','<p><img style=\"display: block; margin-left: auto; margin-right: auto;\" src=\"images/Tech Briefing Website Page Banner.png\" alt=\"\" width=\"500\" /></p>\r\n<p style=\"text-align: left;\"><strong>Virtual Tech Briefing Session Recording, 22 August 2023</strong> - 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It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:18:44\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(2,8,5,'','2019-03-06 15:21:12',915,559,'e4472cd6589b6e1db3d3a09da3d75b945bcd4297','{\"id\":8,\"asset_id\":59,\"parent_id\":\"1\",\"lft\":\"11\",\"rgt\":12,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-06 15:21:12\",\"modified_user_id\":null,\"modified_time\":\"2019-03-06 15:21:12\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(3,9,5,'','2019-03-06 15:22:06',915,1528,'fd687fdd12ae05d7a39d149217e6328ac1845ce7','{\"id\":9,\"asset_id\":60,\"parent_id\":\"8\",\"lft\":\"12\",\"rgt\":13,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape\",\"alias\":\"joint-operation-between-ncr-office-of-the-consumer-protector-and-sassa-in-sarah-baartman-district-municipality-in-the-eastern-cape\",\"note\":\"\",\"description\":\"<p>On Friday, 01 February 2019, the National Credit Regulator (NCR) joined forces with the Office of the Consumer Protector, South African Social Security Agency (SASSA) and South African Police Service (SAPS) from the Sarah Baartman Region in an operation aimed at curbing illegal retention of consumer instruments including identity books, bank cards and SASSA cards, to enforce credit agreements.<\\/p>\\r\\n<p>The operations were conducted at an entity conducting business in Jeffreys Bay, Somerset East and Humansdorp. During the operation, 393 SASSA and bank cards as well as 37 identity books were seized. Four (4) criminal cases were opened and we are hopeful that there will be swift prosecution of these matters.\\u00a0<\\/p>\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-06 15:22:06\",\"modified_user_id\":null,\"modified_time\":\"2019-03-06 15:22:06\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(4,2,1,'','2019-03-06 15:23:09',915,2792,'5ffb672f149645b41d7d2f17cbb742556b120a07','{\"id\":2,\"asset_id\":61,\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:23:09\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:23:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(5,3,1,'','2019-03-06 15:23:28',915,2824,'35c3cbffc9c54b3d4fe6d62441be86424925e5ac','{\"id\":3,\"asset_id\":62,\"title\":\"National Credit Regulator issues a public warning against fake loan scams\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:23:28\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:23:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(6,4,1,'','2019-03-06 15:23:49',915,2827,'5304e1e3dbea1cb3892e80bcc29a73c9aaf52ec5','{\"id\":4,\"asset_id\":63,\"title\":\"National Credit Regulator issues a public warning against fake loan scams \",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams-2\",\"introtext\":\"<p>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:23:49\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:23:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(7,5,1,'','2019-03-06 15:24:12',915,2625,'033461b91fec65e1dafe157f270b1442b842799f','{\"id\":5,\"asset_id\":64,\"title\":\"The National Credit Regulator issues a public warning about Charis Financial Services\",\"alias\":\"the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services\",\"introtext\":\"<p>The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal.\\u00a0<br \\/><br \\/>Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.\\u00a0\\u00a0<br \\/><br \\/>\\u201cCredit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and \\/ or the value of the principal debt\\u201d, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:24:12\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:24:12\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(8,6,1,'','2019-03-06 15:24:39',915,3395,'721321bfaf2d2ddedb5086206737f5b8751819b0','{\"id\":6,\"asset_id\":65,\"title\":\"If you can no longer afford to pay your debts, debt counselling could be of help\",\"alias\":\"if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help\",\"introtext\":\"<p>At times and for many reasons such as recession, change in circumstances and others, consumers find themselves in a debt trap and no longer able to pay their monthly debt repayments. Consumers who are in this situation should not hide, feel despondent or despair; there is a debt relief measure in terms of the National Credit Act (NCA) which could provide relief. This debt relief measure is called debt counselling which is offered by National Credit Regulator\\u2019s (NCR) registered debt counsellors, says Kedilatile Legodi, Manager: Debt Counselling at the NCR.<\\/p>\\r\\n<p>Through debt counselling, consumers can be assisted by getting advice on how to budget and a debt counsellor will negotiate with credit providers on behalf of the consumer for reduced payments and ultimately restructure their debts. \\u201cIf your income is not enough to pay for all your living expenses and all of your debts, chances are that you could be over-indebted.\\u201d There are a number of signs that can assist to check whether a person is over-indebted or not, such as a consumer who cannot repay his \\/ her debts on time as agreed with credit providers; taking out loans in order repay other loans; using a credit card and \\/ or overdraft facility to pay debts, buy food and other necessities; skipping payments on some accounts in order to pay others; starting to receive letters of demand and summonses from credit providers and\\/or lawyers and having judgments granted against them. \\u201cThese are the\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:24:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:24:39\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:24:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(9,6,1,'','2019-03-06 15:25:21',915,3414,'6305c511c39776a0ead77a9beb39e75296adbab1','{\"id\":6,\"asset_id\":\"65\",\"title\":\"If you can no longer afford to pay your debts, debt counselling could be of help\",\"alias\":\"if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help\",\"introtext\":\"<p>At times and for many reasons such as recession, change in circumstances and others, consumers find themselves in a debt trap and no longer able to pay their monthly debt repayments. Consumers who are in this situation should not hide, feel despondent or despair; there is a debt relief measure in terms of the National Credit Act (NCA) which could provide relief. This debt relief measure is called debt counselling which is offered by National Credit Regulator\\u2019s (NCR) registered debt counsellors, says Kedilatile Legodi, Manager: Debt Counselling at the NCR.<\\/p>\\r\\n<p>Through debt counselling, consumers can be assisted by getting advice on how to budget and a debt counsellor will negotiate with credit providers on behalf of the consumer for reduced payments and ultimately restructure their debts. \\u201cIf your income is not enough to pay for all your living expenses and all of your debts, chances are that you could be over-indebted.\\u201d There are a number of signs that can assist to check whether a person is over-indebted or not, such as a consumer who cannot repay his \\/ her debts on time as agreed with credit providers; taking out loans in order repay other loans; using a credit card and \\/ or overdraft facility to pay debts, buy food and other necessities; skipping payments on some accounts in order to pay others; starting to receive letters of demand and summonses from credit providers and\\/or lawyers and having judgments granted against them. \\u201cThese are the\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:25:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:25:14\",\"publish_up\":\"2019-03-06 15:24:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(10,6,1,'','2019-03-06 15:31:50',915,3468,'42b8543423c1a4b0b8d12054b073d0ac3c95b008','{\"id\":6,\"asset_id\":\"65\",\"title\":\"If you can no longer afford to pay your debts, debt counselling could be of help\",\"alias\":\"if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help\",\"introtext\":\"<p><img src=\\\"images\\/credit-bureau267.jpg\\\" alt=\\\"\\\" \\/>At times and for many reasons such as recession, change in circumstances and others, consumers find themselves in a debt trap and no longer able to pay their monthly debt repayments. Consumers who are in this situation should not hide, feel despondent or despair; there is a debt relief measure in terms of the National Credit Act (NCA) which could provide relief. This debt relief measure is called debt counselling which is offered by National Credit Regulator\\u2019s (NCR) registered debt counsellors, says Kedilatile Legodi, Manager: Debt Counselling at the NCR.<\\/p>\\r\\n<p>Through debt counselling, consumers can be assisted by getting advice on how to budget and a debt counsellor will negotiate with credit providers on behalf of the consumer for reduced payments and ultimately restructure their debts. \\u201cIf your income is not enough to pay for all your living expenses and all of your debts, chances are that you could be over-indebted.\\u201d There are a number of signs that can assist to check whether a person is over-indebted or not, such as a consumer who cannot repay his \\/ her debts on time as agreed with credit providers; taking out loans in order repay other loans; using a credit card and \\/ or overdraft facility to pay debts, buy food and other necessities; skipping payments on some accounts in order to pay others; starting to receive letters of demand and summonses from credit providers and\\/or lawyers and having judgments granted against them. \\u201cThese are the\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:31:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:31:31\",\"publish_up\":\"2019-03-06 15:24:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(11,5,1,'','2019-03-06 15:33:04',915,2688,'af9f791baf3ce9cb1730ee60f7d6e8db1af26ac3','{\"id\":5,\"asset_id\":\"64\",\"title\":\"The National Credit Regulator issues a public warning about Charis Financial Services\",\"alias\":\"the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services\",\"introtext\":\"<p><img src=\\\"images\\/images.jpg\\\" alt=\\\"\\\" \\/>The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal.\\u00a0<br \\/><br \\/>Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.\\u00a0\\u00a0<br \\/><br \\/>\\u201cCredit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and \\/ or the value of the principal debt\\u201d, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:33:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:32:48\",\"publish_up\":\"2019-03-06 15:24:12\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(12,4,1,'','2019-03-06 15:34:11',915,2894,'4362513fc4e37dda9797e1b77b2b88ea77414e64','{\"id\":4,\"asset_id\":\"63\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams \",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams-2\",\"introtext\":\"<p><img src=\\\"images\\/fake loan.jpeg\\\" alt=\\\"\\\" \\/>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:34:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:33:08\",\"publish_up\":\"2019-03-06 15:23:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(13,4,1,'','2019-03-06 15:36:17',915,2947,'baa52782f6b0266cd6f1dcd56176c042f35333c6','{\"id\":4,\"asset_id\":\"63\",\"title\":\"The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams-2\",\"introtext\":\"<p><img src=\\\"images\\/fake loan.jpeg\\\" alt=\\\"\\\" \\/>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:36:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:34:23\",\"publish_up\":\"2019-03-06 15:23:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(14,5,1,'','2019-03-06 15:36:53',915,2676,'43d39f06664e89b8ae5c94901fd01b3cda0f2b48','{\"id\":5,\"asset_id\":\"64\",\"title\":\"Know your rights - Do not to pay any upfront fees when applying for loans\",\"alias\":\"the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services\",\"introtext\":\"<p><img src=\\\"images\\/images.jpg\\\" alt=\\\"\\\" \\/>The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal.\\u00a0<br \\/><br \\/>Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.\\u00a0\\u00a0<br \\/><br \\/>\\u201cCredit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and \\/ or the value of the principal debt\\u201d, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:36:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:36:39\",\"publish_up\":\"2019-03-06 15:24:12\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(15,2,1,'','2019-03-06 15:37:31',915,2888,'99c6db5a90ba6a5d2ad564f7844e8c9aee25adae','{\"id\":2,\"asset_id\":\"61\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><img src=\\\"images\\/credit rep.jpg\\\" alt=\\\"\\\" width=\\\"312\\\" height=\\\"208\\\" \\/>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:37:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:37:10\",\"publish_up\":\"2019-03-06 15:23:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(16,3,1,'','2019-03-06 15:38:15',915,2945,'ece7e83852618cef177fbb50a4f1c7d8cf3d1081','{\"id\":3,\"asset_id\":\"62\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<p><img src=\\\"images\\/fraud.jpg\\\" alt=\\\"\\\" width=\\\"323\\\" height=\\\"242\\\" \\/><\\/p>\\r\\n<p>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:38:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:37:37\",\"publish_up\":\"2019-03-06 15:23:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(17,10,5,'','2019-03-14 15:14:31',915,558,'42f1d3a9b76c336bdc8568f699ebc12980d1494e','{\"id\":10,\"asset_id\":89,\"parent_id\":\"1\",\"lft\":\"15\",\"rgt\":16,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Compliance\",\"alias\":\"compliance\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-14 15:14:31\",\"modified_user_id\":null,\"modified_time\":\"2019-03-14 15:14:31\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(20,11,5,'','2019-03-14 15:18:15',915,598,'bdb664d80165b9e65489dd6112e99a12b5d0a87c','{\"id\":11,\"asset_id\":91,\"parent_id\":\"1\",\"lft\":\"17\",\"rgt\":18,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-14 15:18:15\",\"modified_user_id\":null,\"modified_time\":\"2019-03-14 15:18:15\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(24,12,5,'','2019-03-15 12:27:25',915,570,'36a01caeb4540e6c1778be37f4445f33b3b8c3b0','{\"id\":12,\"asset_id\":95,\"parent_id\":\"1\",\"lft\":\"19\",\"rgt\":20,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:27:25\",\"modified_user_id\":null,\"modified_time\":\"2019-03-15 12:27:25\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(25,9,1,'','2019-03-15 12:27:38',915,1759,'1f7de79a7b3a96af933faeeac1e51fd3b34d68f1','{\"id\":9,\"asset_id\":96,\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"12\",\"created\":\"2019-03-15 12:27:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-15 12:27:38\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-15 12:27:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(26,13,5,'','2019-03-15 12:28:01',915,564,'6ae4b84322571cca193d8177cbed25666d18c773','{\"id\":13,\"asset_id\":97,\"parent_id\":\"1\",\"lft\":\"21\",\"rgt\":22,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Registrations\",\"alias\":\"registrations\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:28:01\",\"modified_user_id\":null,\"modified_time\":\"2019-03-15 12:28:01\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(27,14,5,'','2019-03-15 12:28:11',915,556,'889b9779849bbb3aedcfdf6349c1705f46ba1f84','{\"id\":14,\"asset_id\":98,\"parent_id\":\"1\",\"lft\":\"23\",\"rgt\":24,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Complaint\",\"alias\":\"complaint\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:28:11\",\"modified_user_id\":null,\"modified_time\":\"2019-03-15 12:28:11\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(28,10,1,'','2019-03-15 12:28:59',915,1750,'36aeb967f79b61bcbfe2560f18bb214cf7956f81','{\"id\":10,\"asset_id\":99,\"title\":\"Compliance\",\"alias\":\"compliance-2\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-15 12:28:59\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-15 12:28:59\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-15 12:28:59\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(29,14,5,'','2019-03-15 12:29:07',915,588,'4d6e8671cecd126ad0613b2124b3cc644ad3089c','{\"id\":14,\"asset_id\":\"98\",\"parent_id\":\"1\",\"lft\":\"23\",\"rgt\":\"24\",\"level\":\"1\",\"path\":\"complaint\",\"extension\":\"com_content\",\"title\":\"Complaints\",\"alias\":\"complaint\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-15 12:29:03\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:28:11\",\"modified_user_id\":\"915\",\"modified_time\":\"2019-03-15 12:29:07\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(30,15,5,'','2019-03-15 12:29:30',915,595,'8fabb2bbcfed8d29f8fd035a338337c401d16ff3','{\"id\":15,\"asset_id\":100,\"parent_id\":\"1\",\"lft\":\"25\",\"rgt\":26,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Education and Communications\",\"alias\":\"education-and-communications\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:29:30\",\"modified_user_id\":null,\"modified_time\":\"2019-03-15 12:29:30\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(31,11,1,'','2019-03-15 12:29:42',915,1785,'da128eb75b91b1c650f81ae874ee58e1e3ec1546','{\"id\":11,\"asset_id\":101,\"title\":\"Education and Communications\",\"alias\":\"education-and-communications\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-03-15 12:29:42\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-15 12:29:42\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-15 12:29:42\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(32,12,1,'','2019-03-15 13:14:46',915,1755,'a3d4f1ad5613b34bc85582d88c09cef19406810d','{\"id\":12,\"asset_id\":102,\"title\":\"Registrations\",\"alias\":\"registrations\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2019-03-15 13:14:46\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-15 13:14:46\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-15 13:14:46\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(33,13,1,'','2019-03-15 13:16:39',915,1749,'6e7bf034b086e7cc185e40e5d56ff4d6a591bea1','{\"id\":13,\"asset_id\":103,\"title\":\"Complaints\",\"alias\":\"complaints\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-15 13:16:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-15 13:16:39\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-15 13:16:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(36,14,1,'','2019-03-18 12:48:06',915,2740,'7bb1b932260e9345bd4fae3522812a25955721ba','{\"id\":14,\"asset_id\":104,\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 12:48:06\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(37,14,1,'','2019-03-18 12:50:33',915,2760,'a64465bb16d2751156f127de813e79c138ef6cc4','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 12:50:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 12:50:23\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(38,14,1,'','2019-03-18 12:51:14',915,2764,'f28d07ba341ea656f6cd3fa7d7d2d925e319263e','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 12:51:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 12:51:03\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(39,6,1,'','2019-03-18 14:23:41',915,3475,'0f6c0f66093bb42027ed0aefa09ec0d1231c1422','{\"id\":6,\"asset_id\":\"65\",\"title\":\"If you can no longer afford to pay your debts, debt counselling could be of help\",\"alias\":\"if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help\",\"introtext\":\"<p><!--<img src=\\\"images\\/credit-bureau267.jpg\\\" alt=\\\"\\\" \\/>-->At times and for many reasons such as recession, change in circumstances and others, consumers find themselves in a debt trap and no longer able to pay their monthly debt repayments. Consumers who are in this situation should not hide, feel despondent or despair; there is a debt relief measure in terms of the National Credit Act (NCA) which could provide relief. This debt relief measure is called debt counselling which is offered by National Credit Regulator\\u2019s (NCR) registered debt counsellors, says Kedilatile Legodi, Manager: Debt Counselling at the NCR.<\\/p>\\r\\n<p>Through debt counselling, consumers can be assisted by getting advice on how to budget and a debt counsellor will negotiate with credit providers on behalf of the consumer for reduced payments and ultimately restructure their debts. \\u201cIf your income is not enough to pay for all your living expenses and all of your debts, chances are that you could be over-indebted.\\u201d There are a number of signs that can assist to check whether a person is over-indebted or not, such as a consumer who cannot repay his \\/ her debts on time as agreed with credit providers; taking out loans in order repay other loans; using a credit card and \\/ or overdraft facility to pay debts, buy food and other necessities; skipping payments on some accounts in order to pay others; starting to receive letters of demand and summonses from credit providers and\\/or lawyers and having judgments granted against them. \\u201cThese are the\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 14:23:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 14:23:25\",\"publish_up\":\"2019-03-06 15:24:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(40,5,1,'','2019-03-18 15:54:50',915,2683,'13cc999d8efa7d78c690222b59b0fccafa8652f1','{\"id\":5,\"asset_id\":\"64\",\"title\":\"Know your rights - Do not to pay any upfront fees when applying for loans\",\"alias\":\"the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services\",\"introtext\":\"<p><!--<img src=\\\"images\\/images.jpg\\\" alt=\\\"\\\" \\/>-->The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal.\\u00a0<br \\/><br \\/>Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.\\u00a0\\u00a0<br \\/><br \\/>\\u201cCredit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and \\/ or the value of the principal debt\\u201d, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 15:54:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 15:54:34\",\"publish_up\":\"2019-03-06 15:24:12\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(41,4,1,'','2019-03-18 15:55:08',915,2954,'220f33a4e633929ce6aa66108934d5bc2aa641b8','{\"id\":4,\"asset_id\":\"63\",\"title\":\"The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams-2\",\"introtext\":\"<p><!--<img src=\\\"images\\/fake loan.jpeg\\\" alt=\\\"\\\" \\/>-->[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 15:55:08\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 15:54:53\",\"publish_up\":\"2019-03-06 15:23:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(42,3,1,'','2019-03-18 15:55:25',915,2952,'14a5202dcf19381ce4be7750b3075262803c735a','{\"id\":3,\"asset_id\":\"62\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<p><!--<img src=\\\"images\\/fraud.jpg\\\" alt=\\\"\\\" width=\\\"323\\\" height=\\\"242\\\" \\/>--><\\/p>\\r\\n<p>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 15:55:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 15:55:11\",\"publish_up\":\"2019-03-06 15:23:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(43,2,1,'','2019-03-18 15:56:45',915,2895,'501292fe13f328dbef2bda1e0a9b507f727fe14b','{\"id\":2,\"asset_id\":\"61\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><!--<img src=\\\"images\\/credit rep.jpg\\\" alt=\\\"\\\" width=\\\"312\\\" height=\\\"208\\\" \\/>-->The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 15:56:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 15:56:32\",\"publish_up\":\"2019-03-06 15:23:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(44,16,5,'','2019-03-18 16:02:21',915,553,'80e54368e9964a2da36d979b9cfd6c4f0158fc7a','{\"id\":16,\"asset_id\":106,\"parent_id\":\"1\",\"lft\":\"27\",\"rgt\":28,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Careers\",\"alias\":\"careers\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-18 16:02:21\",\"modified_user_id\":null,\"modified_time\":\"2019-03-18 16:02:21\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(45,15,1,'','2019-03-18 16:02:32',915,1742,'27e5de8f35e24f7ba13f5567910e41344edde5c9','{\"id\":15,\"asset_id\":107,\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-18 16:02:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 16:02:32\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-18 16:02:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(46,16,1,'','2019-03-19 06:33:16',915,5080,'2ffc717f3b71b21426a20cb05db2ae25f5a55b81','{\"id\":16,\"asset_id\":108,\"title\":\"Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape\",\"alias\":\"joint-operation-between-ncr-office-of-the-consumer-protector-and-sassa-in-sarah-baartman-district-municipality-in-the-eastern-cape\",\"introtext\":\"<p>On Friday, 01 February 2019, the National Credit Regulator (NCR) joined forces with the Office of the Consumer Protector, South African Social Security Agency (SASSA) and South African Police Service (SAPS) from the Sarah Baartman Region in an operation aimed at curbing illegal retention of consumer instruments including identity books, bank cards and SASSA cards, to enforce credit agreements.<\\/p>\\r\\n<p>The operations were conducted at an entity conducting business in Jeffreys Bay, Somerset East and Humansdorp. During the operation, 393 SASSA and bank cards as well as 37 identity books were seized. Four (4) criminal cases were opened and we are hopeful that there will be swift prosecution of these matters.\\u00a0<\\/p>\\r\\n<p>The focus of this kind of operation is primarily to identify credit providers who are unlawfully retaining pension cards, bank cards, identity documents and personal identity numbers (PIN) of their clients as surety. \\u201cRetaining these cards is a contravention of the National Credit Act (NCA) and it is a criminal offence\\u201d, says Jacqueline Peters Manager of the Investigations and Enforcement Department at the National Credit Regulator.\\u00a0<\\/p>\\r\\n<p>Peters says this operation will not be the last of its kind in the region. SASSA and the Office of the Consumer Protector will continue to work together to root out predatory practices and to ensure that all credit providers, no matter where they conduct business, comply with the provisions of the National Credit Act. \\u201cThe exploitation of vulnerable and unsuspecting consumers by credit providers will not be tolerated,\\u201d added Peters.<\\/p>\\r\\n<p>\\u201cConsumers are cautioned to avoid credit providers who require them to hand over their identity books or SASSA cards as it is a criminal offence and it is usually coupled with reckless lending and overcharging\\u201d, concludes Peters.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak28443\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/>Lebogang Selibi<br \\/>(011)\\u00a0 554-2722<br \\/>E-mail:\\u00a0<span id=\\\"cloak63445\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-19 06:33:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-19 06:33:16\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-19 06:33:16\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(47,15,1,'','2019-03-19 06:33:44',915,1761,'8da34dd5507320baac845d8a6143cd0222072253','{\"id\":15,\"asset_id\":\"107\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 16:02:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-19 06:33:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-19 06:33:39\",\"publish_up\":\"2019-03-18 16:02:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"4\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(48,17,5,'','2019-03-26 08:44:23',915,549,'094d540d26e92d421cf9a3d2cc053eb00d9dfb03','{\"id\":17,\"asset_id\":109,\"parent_id\":\"1\",\"lft\":\"29\",\"rgt\":30,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Media\",\"alias\":\"media\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-26 08:44:23\",\"modified_user_id\":null,\"modified_time\":\"2019-03-26 08:44:23\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(49,17,1,'','2019-03-26 08:44:52',915,1739,'1099253e9f0f222370902d01aa74018c103182cf','{\"id\":17,\"asset_id\":110,\"title\":\"Media\",\"alias\":\"media\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-03-26 08:44:52\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 08:44:52\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-26 08:44:52\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(50,18,1,'','2019-03-26 08:55:43',915,4518,'26a02a53f760681ff9e92e8c4b43c8ebee03a709','{\"id\":18,\"asset_id\":112,\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table style=\\\"height: 86px;\\\" width=\\\"700\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><strong>Sinking into Debt\\u00a0<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\"><strong>Take Control of Your Finances<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\"><strong>Introductory Brochure<\\/strong>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/SID_thumb_eng.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/the_guide.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/pub_04.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\"><strong>Credit Bureau and your Right<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and <br \\/>the National Credit Regulator<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\"><strong>NCR Consumer Booklet<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/pub_03.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/NCRA.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/Consumer_Booklet.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-03-26 08:55:43\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 08:55:43\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-26 08:55:43\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(53,18,5,'','2019-03-26 09:36:36',915,559,'337b23cc5da8258ced571ba446ab519394895b86','{\"id\":18,\"asset_id\":114,\"parent_id\":\"1\",\"lft\":\"31\",\"rgt\":32,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Contact us\",\"alias\":\"contact-us\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-26 09:36:36\",\"modified_user_id\":null,\"modified_time\":\"2019-03-26 09:36:36\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(55,19,5,'','2019-03-26 09:41:38',915,553,'c76a5f6d12528632ec971ec14d42a8a651137c09','{\"id\":19,\"asset_id\":116,\"parent_id\":\"1\",\"lft\":\"33\",\"rgt\":34,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"The act\",\"alias\":\"the-act\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-26 09:41:38\",\"modified_user_id\":null,\"modified_time\":\"2019-03-26 09:41:38\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(56,19,5,'','2019-03-26 09:41:50',915,582,'4925637f6a12a373a204ac0b793b34e62631da2d','{\"id\":19,\"asset_id\":\"116\",\"parent_id\":\"1\",\"lft\":\"33\",\"rgt\":\"34\",\"level\":\"1\",\"path\":\"the-act\",\"extension\":\"com_content\",\"title\":\"The Act\",\"alias\":\"the-act\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 09:41:45\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-26 09:41:38\",\"modified_user_id\":\"915\",\"modified_time\":\"2019-03-26 09:41:50\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(59,21,1,'','2019-03-26 09:50:00',915,3505,'9c578b1b477acf18430bc2f97b2e2160f4612464','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Amendment Act<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCA-amendment-Regulations-March-20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment - Amendment Regulations\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/National Credit Amendment Act.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment Act<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 09:50:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 09:49:30\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(60,21,1,'','2019-03-26 09:50:54',915,5036,'d370731c0426499028bc790c2f5c72186c67fc1c','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Amendment Act<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCA-amendment-Regulations-March-20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment - Amendment Regulations\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/National Credit Amendment Act.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment Act<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Credit Life Regulations 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Life Regulations 2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/National Credit regulations_b.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Amendment_Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Amendment of the Regulations (Act No 34 of 2005)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 1-Prescribed forms.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 1-Prescribed forms<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 2-prescribed fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 2-Prescribed fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 09:50:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 09:50:00\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(61,21,1,'','2019-03-26 10:08:54',915,6275,'80060f186077cc164a2308ec6a7e612d9bd642ee','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Amendment Act<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCA-amendment-Regulations-March-20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment - Amendment Regulations\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/National Credit Amendment Act.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment Act<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Credit Life Regulations 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Life Regulations 2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/National Credit regulations_b.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Amendment_Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Amendment of the Regulations (Act No 34 of 2005)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 1-Prescribed forms.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 1-Prescribed forms<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 2-prescribed fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 2-Prescribed fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Implementation Schedule<\\/h4>\\r\\n<p>In terms of section 173 of the National Credit Act No. 34 of 2005 (The Act), the following dates have been fixed for the implementation of the stated sections of The Act.<\\/p>\\r\\n<ul>\\r\\n<li><strong>1 June 2006<\\/strong> as the date on which sections 1 to 11 (Chapter 1); sections 12 to 25 and 35 to 38 (Chapter 2 Part A, C and D); sections 39 to 59 (Chapter 3); section 69; section 73; sections 134 to 152 (Chapter 7); sections 153 to 162 and sections 164 to 170 (Chapter 8 excluding section 163); sections 171 to 173 (Chapter 9); Schedule 1; Schedule 2 and Schedule 3 shall come into operation;<\\/li>\\r\\n<li><strong>1 September 2006<\\/strong> as the date on which sections 26 to 34 (Chapter 2 Part B); sections 67, 68, 70 and 72 shall come into operation;<\\/li>\\r\\n<li><strong>1 June 2007<\\/strong> as the date on which sections 60 to 66 (Chapter 4 Part A); section 71; sections 74 to 88 (Chapter 4 Part C and D); sections 89 to 123 (Chapter 5); sections 124 to 133 (Chapter 6); and section 163 shall come into operation.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/implementation_schedule\\/0510165505_2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the proclamation<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 10:08:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 09:50:54\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(62,21,1,'','2019-03-26 10:12:23',915,6961,'610529ef2c678a75243a633338c2946e48d35e17','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Amendment Act<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCA-amendment-Regulations-March-20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment - Amendment Regulations\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/National Credit Amendment Act.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment Act<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Credit Life Regulations 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Life Regulations 2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/National Credit regulations_b.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Amendment_Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Amendment of the Regulations (Act No 34 of 2005)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 1-Prescribed forms.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 1-Prescribed forms<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 2-prescribed fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 2-Prescribed fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Implementation Schedule<\\/h4>\\r\\n<p>In terms of section 173 of the National Credit Act No. 34 of 2005 (The Act), the following dates have been fixed for the implementation of the stated sections of The Act.<\\/p>\\r\\n<ul>\\r\\n<li><strong>1 June 2006<\\/strong> as the date on which sections 1 to 11 (Chapter 1); sections 12 to 25 and 35 to 38 (Chapter 2 Part A, C and D); sections 39 to 59 (Chapter 3); section 69; section 73; sections 134 to 152 (Chapter 7); sections 153 to 162 and sections 164 to 170 (Chapter 8 excluding section 163); sections 171 to 173 (Chapter 9); Schedule 1; Schedule 2 and Schedule 3 shall come into operation;<\\/li>\\r\\n<li><strong>1 September 2006<\\/strong> as the date on which sections 26 to 34 (Chapter 2 Part B); sections 67, 68, 70 and 72 shall come into operation;<\\/li>\\r\\n<li><strong>1 June 2007<\\/strong> as the date on which sections 60 to 66 (Chapter 4 Part A); section 71; sections 74 to 88 (Chapter 4 Part C and D); sections 89 to 123 (Chapter 5); sections 124 to 133 (Chapter 6); and section 163 shall come into operation.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/implementation_schedule\\/0510165505_2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the proclamation<\\/a><\\/p>\\r\\n<h4>Ministerial Notice Regarding Thresholds<\\/h4>\\r\\n<p>Determination of Thresholds<\\/p>\\r\\n<p>In terms of section 7.(1), 10(1) and the 42(1) of the National Credit Act, 2005 (Act No.34 of2005) I, mandisi Mpahlwa, Minister of Trade and Industry, do hereby make the determination of thresholds as set out in the schedle hereto.<\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/1_28893_1_6_Trade.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/Threshold Regulation.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 10:12:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 10:08:54\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"7\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(63,21,1,'','2019-03-26 10:12:55',915,6943,'c05b18a6a1b425929a60f38db6d5fea4b9da9f25','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Amendment Act<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCA-amendment-Regulations-March-20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment - Amendment Regulations\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/National Credit Amendment Act.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment Act<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Credit Life Regulations 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Life Regulations 2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/National Credit regulations_b.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Amendment_Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Amendment of the Regulations (Act No 34 of 2005)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 1-Prescribed forms.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 1-Prescribed forms<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 2-prescribed fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 2-Prescribed fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Implementation Schedule<\\/h4>\\r\\n<p>In terms of section 173 of the National Credit Act No. 34 of 2005 (The Act), the following dates have been fixed for the implementation of the stated sections of The Act.<\\/p>\\r\\n<ul>\\r\\n<li><strong>1 June 2006<\\/strong> as the date on which sections 1 to 11 (Chapter 1); sections 12 to 25 and 35 to 38 (Chapter 2 Part A, C and D); sections 39 to 59 (Chapter 3); section 69; section 73; sections 134 to 152 (Chapter 7); sections 153 to 162 and sections 164 to 170 (Chapter 8 excluding section 163); sections 171 to 173 (Chapter 9); Schedule 1; Schedule 2 and Schedule 3 shall come into operation;<\\/li>\\r\\n<li><strong>1 September 2006<\\/strong> as the date on which sections 26 to 34 (Chapter 2 Part B); sections 67, 68, 70 and 72 shall come into operation;<\\/li>\\r\\n<li><strong>1 June 2007<\\/strong> as the date on which sections 60 to 66 (Chapter 4 Part A); section 71; sections 74 to 88 (Chapter 4 Part C and D); sections 89 to 123 (Chapter 5); sections 124 to 133 (Chapter 6); and section 163 shall come into operation.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/implementation_schedule\\/0510165505_2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the proclamation<\\/a><\\/p>\\r\\n<h4>Ministerial Notice Regarding Thresholds<\\/h4>\\r\\n<p>Determination of Thresholds<\\/p>\\r\\n<p>In terms of section 7.(1), 10(1) and the 42(1) of the National Credit Act, 2005 (Act No.34 of2005) I, mandisi Mpahlwa, Minister of Trade and Industry, do hereby make the determination of thresholds as set out in the schedle hereto.<\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/1_28893_1_6_Trade.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/Threshold Regulation.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 10:12:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 10:12:23\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(64,22,1,'','2019-03-26 11:12:22',915,6615,'58fb6caf21fa578fd533b16a2a3a33c19c545e82','{\"id\":22,\"asset_id\":118,\"title\":\"Over-Indebtedness\",\"alias\":\"over-indebtedness\",\"introtext\":\"<p>Consumers are advised to seek help during these tough economical times, instead of rushing to apply for more credit in order to pay off their debts. The NCR as part of our mandate to educate and protect consumers have devised a \\u201cSelf Help\\u201d document for consumers to help you cope with debt stress.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>The following are tips from the NCR:<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>1. \\u00a0Know your Financial Status<\\/p>\\r\\n<p>1.1 Know all your creditors \\u2013 create a spread sheet of all your accounts\\/debts as well as monthly expenditure.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>1.1.1 Have a spending plan and stick to it!<\\/p>\\r\\n<p>1.1.2 List all your expenses e.g.<\\/p>\\r\\n<ul>\\r\\n<li>Rent\\/mortgage<\\/li>\\r\\n<li>Water\\/electricity\\/rates<\\/li>\\r\\n<li>Grocery<\\/li>\\r\\n<li>Transport<\\/li>\\r\\n<li>School\\/cr\\u00e8che fees<\\/li>\\r\\n<li>Medical expenses (if not on medical aid)<\\/li>\\r\\n<li>Insurances<\\/li>\\r\\n<li>Bank charges (estimate, based on statement)<\\/li>\\r\\n<\\/ul>\\r\\n<p>1.2 Compare your total monthly income with your total expenditure<\\/p>\\r\\n<p>1.3 If your expenditure is more than your income\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>DO SOMETHING ABOUT IT!<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>2. Communicate with your Credit Providers<\\/p>\\r\\n<p>2.1 Know all your credit providers\\u2019 contact details and keep your account statements in a safe place.<\\/p>\\r\\n<p>2.2 When you are experience problems repaying your debts, contact your creditors. Get in touch with the Credit Department, not your local branch.<\\/p>\\r\\n<p>2.3 Always explain your situation if you cannot afford to pay your instalments.<\\/p>\\r\\n<p>2.4 Do not promise to pay what you don\\u2019t have. Rather negotiate for lower instalments than skip payments.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>Here are some useful contact details:\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong>ABSA<\\/strong> -\\u00a0ABSA Customer Debt Repair Line: 0860 356 356<\\/li>\\r\\n<li><strong>Nedbank<\\/strong> -\\u00a0Debt Rehabilitation &amp; Recoveries Services: 0860 109 279<\\/li>\\r\\n<li><strong>Standard Bank<\\/strong> -\\u00a0Contact your Standard bank branch<\\/li>\\r\\n<li><strong>First National Bank<\\/strong> -\\u00a0Debt Review centre \\u2013 0860 362 002<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>3. Avoid getting more Debt. Rather downgrade and change your lifestyle!<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>3.1 <strong>Things you need to cut\\/adjust are:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Domestic worker (unless this is the substitute for cr\\u00e8che)<\\/li>\\r\\n<li>Alcohol<\\/li>\\r\\n<li>Tobacco \\/ cigarettes<\\/li>\\r\\n<li>Entertainment<\\/li>\\r\\n<li>Club membership<\\/li>\\r\\n<li>M-Net, DSTV<\\/li>\\r\\n<li>Holiday clubs<\\/li>\\r\\n<li>Gambling<\\/li>\\r\\n<li>If you are driving an expensive car consider a down grade for a less expensive car. This will reduce your monthly instalment thus enabling you to pay other debts.<\\/li>\\r\\n<li>If you are no longer able to afford the house you live in, consider selling it and getting something more reasonable.<\\/li>\\r\\n<li>Where possible use public transport.<\\/li>\\r\\n<li>Go to your financial advisor and have another look at the insurance contracts that you have. Contact an independent financial advisor. Contact details are available at the FSB at 012 428 8000.You may find that you do not really need some of them.<\\/li>\\r\\n<li>Use any savings you making from your adjustment to pay the most expensive loans such as micro loans followed by your credit card.<\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>4. Look twice for a better price<\\/p>\\r\\n<ul>\\r\\n<li>4.1 When you do your groceries do price comparison across major stores and settle for less. Only buy items that you cannot survive without and look for specials.<\\/li>\\r\\n<li>4.2 No-name brands are usually cheaper and are sometimes of good quality.<\\/li>\\r\\n<li>4.3 Fresh\\/loose vegetables are cheaper than prepared\\/frozen vegetables.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>5. If you need support and a helping hand<\\/p>\\r\\n<ul>\\r\\n<li>5.1 Contact a debt counsellor, call 0860 627 627 to locate one in your area or log onto www.ncr.org.zaand click on \\u201cregister of registrants\\u201d, then select debt counsellors.<\\/li>\\r\\n<li>5.2 Once you are under debt counselling, you will not be allowed to access credit until you have received a clearance certificate from a debt counsellor.<\\/li>\\r\\n<li>5.3 If and when you receive letters from your creditors do not ignore them, take them seriously, act on them and seek help!!<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>6. If you are facing repossession seek advice and remember , you have Rights as well !<\\/p>\\r\\n<ul>\\r\\n<li>6.1 According to the National Credit Act you have certain rights when you want to surrender goods to your credit provider;<\\/li>\\r\\n<li>6.2 You also have rights when the credit provider enforces the debt using repossession.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-03-26 11:12:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 11:12:22\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-26 11:12:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(65,23,1,'','2019-03-26 11:13:12',915,2908,'b082b082083c1c86079f6b39a6d388af19cfdffa','{\"id\":23,\"asset_id\":119,\"title\":\"Consumer Assistance\",\"alias\":\"consumer-assistance\",\"introtext\":\"<p>A consumer may apply to a Debt counsellor to be declared over-indebted. If the debt counsellor finds that the consumer is indeed over-indebted, he\\/she will make a recommendation to the Magistrate\\u2019s Court for the consumer to be declared over-indebted. The Court may in turn re-organise the consumer\\u2019s debt by extending the term of any agreement, postponing payments, recalculating unlawful fees or interest and may order adjustments to improperly charged items.<\\/p>\\r\\n<p>If a debt counsellor finds that a consumer is not over-indebted, he\\/she will provide the consumer with a letter of rejection. The consumer may then appeal to court for a review of the counsellor\\u2019s decision.<\\/p>\\r\\n<p>A consumer who is over-indebted may approach a debt counsellor directly, or he\\/she may be referred to a debt counsellor by his\\/her creditor\\/s or by the magistrate court.\\u00a0<\\/p>\\r\\n<p>Please click on any of the following regions to find counselling services in your area, or if you are looking for a Debt Counsellor please go to the <a href=\\\"register_of_registrants\\/index.html\\\">Register of Registrants<\\/a>\\u00a0page:<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-03-26 11:13:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 11:13:12\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-26 11:13:12\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(70,20,1,'','2019-03-26 18:05:24',915,6513,'1c7c8d08edf1f3ce24f14ea3c04104574642159e','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Department\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Eastern Cape\\u00a0<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Gauteng<\\/strong><\\/td>\\r\\n<td>:\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">0860 007255<\\/span><\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8006<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">086\\u00a0611 4305<\\/span><\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8110<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.dedea.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.dedea.gov.za<\\/a><\\/span><\\/td>\\r\\n<td>Website\\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.ecodev.gpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ecodev.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer.protector@dedea.gov.za\\\">consumer.protector@dedea.gov.za<\\/a><\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer@gauteng.gov.za\\\">consumer@gauteng.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Mpumalanga<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Limpopo<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 013 766 4802<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 295 5740<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax \\u00a0\\u00a0<\\/td>\\r\\n<td>: 013 766 4966<\\/td>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 015 293 8300<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/dpwrt.mpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.mpg.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0www.ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: nnkosi@mpg.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: findo@ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>North West<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Free State<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 018 387 7700<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 400 4852 \\/ 086 514 6112<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 018 384 9440<\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 051 400 9610<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.nwpg.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nwpg.gov.za<\\/a><\\/td>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0www.detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rbalepile@nwpg.gov.za<\\/td>\\r\\n<td>Email Address\\u00a0<\\/td>\\r\\n<td>: Radikelt@detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"398\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Kwa-Zulu Natal<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Northern Cape<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 033 264 2500<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 053 831 5562<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 033 264 2676<\\/td>\\r\\n<td>Fax \\u00a0<\\/td>\\r\\n<td>: 053 831 5547<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.kznded.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.kznded.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.ncpg.org.sg\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ncpg.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rabotapil@kznded.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Aleciaph100@yahoo.com<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 18:05:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 18:00:42\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(71,20,1,'','2019-03-26 18:06:16',915,6515,'863e7d5ee0463fe5a74ad42276ef20c6f48b9da2','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Department\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Eastern Cape\\u00a0<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Gauteng<\\/strong><\\/td>\\r\\n<td>:\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">0860 007255<\\/span><\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8006<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">086\\u00a0611 4305<\\/span><\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8110<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.dedea.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.dedea.gov.za<\\/a><\\/span><\\/td>\\r\\n<td>Website\\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.ecodev.gpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ecodev.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer.protector@dedea.gov.za\\\">consumer.protector@dedea.gov.za<\\/a><\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer@gauteng.gov.za\\\">consumer@gauteng.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Mpumalanga<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Limpopo<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 013 766 4802<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 295 5740<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax \\u00a0\\u00a0<\\/td>\\r\\n<td>: 013 766 4966<\\/td>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 015 293 8300<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/dpwrt.mpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.mpg.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0www.ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: nnkosi@mpg.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: findo@ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>North West<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Free State<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 018 387 7700<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 400 4852 \\/ 086 514 6112<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 018 384 9440<\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 051 400 9610<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.nwpg.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nwpg.gov.za<\\/a><\\/td>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0www.detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rbalepile@nwpg.gov.za<\\/td>\\r\\n<td>Email Address\\u00a0<\\/td>\\r\\n<td>: Radikelt@detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Kwa-Zulu Natal<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Northern Cape<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 033 264 2500<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 053 831 5562<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 033 264 2676<\\/td>\\r\\n<td>Fax \\u00a0<\\/td>\\r\\n<td>: 053 831 5547<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.kznded.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.kznded.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.ncpg.org.sg\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ncpg.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rabotapil@kznded.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Aleciaph100@yahoo.com<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 18:06:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 18:05:24\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"10\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(72,20,1,'','2019-03-26 18:09:18',915,7157,'35f78d50ef2c520dd956c8c3d5e5ac353f374516','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Department\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Eastern Cape\\u00a0<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Gauteng<\\/strong><\\/td>\\r\\n<td>:\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">0860 007255<\\/span><\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8006<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">086\\u00a0611 4305<\\/span><\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8110<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.dedea.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.dedea.gov.za<\\/a><\\/span><\\/td>\\r\\n<td>Website\\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.ecodev.gpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ecodev.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer.protector@dedea.gov.za\\\">consumer.protector@dedea.gov.za<\\/a><\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer@gauteng.gov.za\\\">consumer@gauteng.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Mpumalanga<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Limpopo<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 013 766 4802<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 295 5740<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax \\u00a0\\u00a0<\\/td>\\r\\n<td>: 013 766 4966<\\/td>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 015 293 8300<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/dpwrt.mpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.mpg.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0www.ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: nnkosi@mpg.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: findo@ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>North West<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Free State<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 018 387 7700<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 400 4852 \\/ 086 514 6112<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 018 384 9440<\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 051 400 9610<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.nwpg.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nwpg.gov.za<\\/a><\\/td>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0www.detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rbalepile@nwpg.gov.za<\\/td>\\r\\n<td>Email Address\\u00a0<\\/td>\\r\\n<td>: Radikelt@detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Kwa-Zulu Natal<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Northern Cape<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 033 264 2500<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 053 831 5562<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 033 264 2676<\\/td>\\r\\n<td>Fax \\u00a0<\\/td>\\r\\n<td>: 053 831 5547<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.kznded.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.kznded.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.ncpg.org.sg\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ncpg.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rabotapil@kznded.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Aleciaph100@yahoo.com<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"50%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Western\\u00a0Cape<\\/strong>\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall\\u00a0<\\/td>\\r\\n<td>: 021 483 5133 \\/ 080 000 7081<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 021 483 5872<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.westerncape.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.westerncape.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: consumer.protector@westerncape.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 18:09:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 18:06:16\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"11\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(73,20,1,'','2019-03-26 18:10:16',915,7160,'c93363eeb36c294d6dfd292e4d108b81e4cd3758','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Department\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Eastern Cape\\u00a0<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Gauteng<\\/strong><\\/td>\\r\\n<td>:\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">0860 007255<\\/span><\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8006<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">086\\u00a0611 4305<\\/span><\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8110<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.dedea.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.dedea.gov.za<\\/a><\\/span><\\/td>\\r\\n<td>Website\\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.ecodev.gpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ecodev.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer.protector@dedea.gov.za\\\">consumer.protector@dedea.gov.za<\\/a><\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer@gauteng.gov.za\\\">consumer@gauteng.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Mpumalanga<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Limpopo<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 013 766 4802<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 295 5740<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax \\u00a0\\u00a0<\\/td>\\r\\n<td>: 013 766 4966<\\/td>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 015 293 8300<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/dpwrt.mpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.mpg.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0www.ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: nnkosi@mpg.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: findo@ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>North West<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Free State<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 018 387 7700<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 400 4852 \\/ 086 514 6112<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 018 384 9440<\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 051 400 9610<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.nwpg.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nwpg.gov.za<\\/a><\\/td>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0www.detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rbalepile@nwpg.gov.za<\\/td>\\r\\n<td>Email Address\\u00a0<\\/td>\\r\\n<td>: Radikelt@detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Kwa-Zulu Natal<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Northern Cape<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 033 264 2500<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 053 831 5562<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 033 264 2676<\\/td>\\r\\n<td>Fax \\u00a0<\\/td>\\r\\n<td>: 053 831 5547<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.kznded.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.kznded.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.ncpg.org.sg\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ncpg.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rabotapil@kznded.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Aleciaph100@yahoo.com<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"450px\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Western\\u00a0Cape<\\/strong>\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall\\u00a0<\\/td>\\r\\n<td>: 021 483 5133 \\/ 080 000 7081<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 021 483 5872<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.westerncape.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.westerncape.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: consumer.protector@westerncape.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 18:10:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 18:09:18\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(87,14,1,'','2019-03-28 13:12:50',915,2851,'5cd119308daeac21b8ebdac727543a2723689334','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>{loadmodule mod_easyaccordioncontent,High profile cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-28 13:12:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-28 13:12:42\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"63\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(88,14,1,'','2019-03-28 13:14:43',915,2783,'9a629e43f7ba8b72ac61755974da6159f946ef06','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-28 13:14:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-28 13:14:33\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"67\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(92,8,1,'','2019-03-28 13:23:33',915,2776,'71117f718de550665010b37a7418b9bc63ce4dc4','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referrer matters to the National Consumer Tribunal, issue compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments.<\\/p>\\r\\n<h3>High profile cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,High profile cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-28 13:23:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-28 13:23:14\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":29,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"129\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(93,20,5,'','2019-03-28 13:32:51',915,563,'59f26d5b91abb9b8fb848d5fc0155131f1528fb1','{\"id\":20,\"asset_id\":124,\"parent_id\":\"1\",\"lft\":\"35\",\"rgt\":36,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Publications\",\"alias\":\"publications\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-28 13:32:51\",\"modified_user_id\":null,\"modified_time\":\"2019-03-28 13:32:51\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(112,1,2,'','2019-04-02 08:59:10',915,1777,'d0c3e8ea6b093683844240ca759a2b8e114da494','{\"id\":1,\"name\":\" Eastern Cape \",\"alias\":\"eastern-cape\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"0860 007255\",\"fax\":\" 086 611 4305\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"consumer.protector@dedea.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"ordering\":1,\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"4\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.dedea.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 08:59:10\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 08:59:10\",\"modified_by\":null,\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":1,\"hits\":null}',0),(113,21,6,'','2019-04-02 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00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(129,22,6,'','2019-04-02 11:59:12',915,569,'7230c6a7354ec52e8fffa8861b44ca8f7d6b66da','{\"id\":22,\"asset_id\":130,\"parent_id\":\"1\",\"lft\":\"39\",\"rgt\":40,\"level\":1,\"path\":null,\"extension\":\"com_contact\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-02 11:59:12\",\"modified_user_id\":null,\"modified_time\":\"2019-04-02 11:59:12\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(131,28,1,'','2019-04-02 12:41:23',915,3266,'7a22d5702c25e146c5f0542eac423fa39659c46a','{\"id\":28,\"asset_id\":132,\"title\":\"Legislation\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/PAIA MANUAL.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA REQUEST FORM.docx\\\">Click here to download Request Form<\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 12:41:23\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-02 12:41:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(134,26,1,'','2019-04-02 13:08:19',915,12587,'be10df9ef1a5f23ceec68cd1d425d5daf88debbb','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h3>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 13:08:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-02 13:08:10\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(135,26,1,'','2019-04-02 13:10:35',915,12038,'6fc8bc8d5d0b22bc747160c6b50d51ef02d122a3','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 13:10:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-02 13:10:24\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"4\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(136,26,1,'','2019-04-02 13:11:29',915,12056,'5c243061ba707afc96c5b58dfc20816cf7d1b5f6','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 13:11:29\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-02 13:11:14\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(137,31,1,'','2019-04-02 13:32:48',915,20221,'25ffd370cacffe760dbbce2ffa852e1d18fac5a2','{\"id\":31,\"asset_id\":135,\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p style=\\\"font-weight: bold;\\\">December 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1388AD NCR CIRCULAR 25 OF 2016.pdf\\\">Circular No. 25\\/December 2016 - The cost of credit for short-term loans as a result of the MFSA High Court decision<\\/a><\\/p>-->\\r\\n<p style=\\\"font-weight: bold;\\\">Frebruary 2019<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR Circular 12 - February 2019.pdf\\\">Circular 12 of 2019 - Re-seller Credit Bureau Circular on Additional Form 43 Requirements<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2018<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2018<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2018<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">August 2018<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">April 2018<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2018<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">August 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">August 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">August 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">April 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 13:32:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 13:32:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-02 13:32:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(140,32,1,'','2019-04-02 14:17:22',915,2694,'ff894a04ed789053bb8da8c293bbdd40f9afc0ca','{\"id\":32,\"asset_id\":136,\"title\":\"Background Documents on the NCA\",\"alias\":\"background-documents-on-the-nca\",\"introtext\":\"<h4>Credit law review: setting the scene<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_1.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view the Credit law review: setting the scene<\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<h4>Credit Law Review | August 2003<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_2.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view the Credit Law Review<\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<h4>Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Credit Law Review.pdf\\\">Click here to view the Making Credit Markets Work<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-04-02 14:17:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 14:17:22\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-02 14:17:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(142,34,1,'','2019-04-03 12:40:48',915,1757,'6a8e030871db105588f8f45b366c3899ecdc02ed','{\"id\":34,\"asset_id\":138,\"title\":\"Public Notices\",\"alias\":\"public-notices\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-03 12:40:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-03 12:40:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-03 12:40:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(143,34,1,'','2019-04-03 12:43:42',915,5571,'60522cfcf27edc250005262d1054f225804f6024','{\"id\":34,\"asset_id\":\"138\",\"title\":\"Public Notices\",\"alias\":\"public-notices\",\"introtext\":\"<p><strong>2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"images\\/Public Notices\\/Debt Counselling Explained Advert.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counselling Explained<\\/a><\\/p>\\r\\n<p><a href=\\\"images\\/Public%20Notices\\/Debt Counselling Explained Advert.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><strong><img src=\\\"images\\/Public Notices\\/ts01.jpg\\\" alt=\\\"\\\" width=\\\"142\\\" height=\\\"175\\\" \\/><\\/strong><\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>2014<\\/strong><\\/p>\\r\\n<p><a href=\\\"images\\/Public%20Notices\\/NCR SWBW_DAILY SUN_210MMX185MM_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely borrow wisely<\\/a><\\/p>\\r\\n<table style=\\\"height: 406px;\\\" width=\\\"352\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"images\\/Public%20Notices\\/NCR SWBW_DAILY SUN_210MMX185MM_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/Public Notices\\/always_make_sure.jpg\\\" alt=\\\"\\\" width=\\\"157\\\" height=\\\"192\\\" \\/><\\/a><\\/td>\\r\\n<td><a href=\\\"images\\/Public%20Notices\\/NCR SWBW_DAILY SUN_210MMX185MM_2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/Public Notices\\/dont-be-tempted.jpg\\\" alt=\\\"\\\" width=\\\"157\\\" height=\\\"192\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"images\\/Public%20Notices\\/NCR SWBW_DAILY SUN_210MMX185MM_3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/Public Notices\\/ids.jpg\\\" alt=\\\"\\\" width=\\\"157\\\" height=\\\"192\\\" \\/><\\/a><\\/td>\\r\\n<td><a href=\\\"images\\/Public%20Notices\\/NCR SWBW_DAILY SUN_210MMX185MM_4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/Public Notices\\/legally-allowed.jpg\\\" alt=\\\"\\\" width=\\\"157\\\" height=\\\"192\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>2012<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Advertorial NCR A4(Press).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">THE NCR CALLS FOR CAUTION IN THE GRANTING OF UNSECURED CREDIT<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Advertorial%20NCR A4(Press).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/consumer_market_report\\/Media.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>2011<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Advertorial NCR A4(Press).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Exchange of money<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Advertorial%20NCR A4(Press).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/consumer_market_report\\/adverts.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>2010<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Billboard Web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Make the right choices<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Billboard%20Web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/consumer_market_report\\/billboardweb.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>2009<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/09260_Ad_Spend Wisely_09_30x22.5_low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tighten your belt<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/09260_Ad_Spend%20Wisely_09_30x22.5_low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/consumer_market_report\\/belt.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>2008<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Spend Wisely Ad.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A message from the National Credit Regulator<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Spend%20Wisely Ad.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/consumer_market_report\\/message.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-03 12:40:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-03 12:43:42\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-03 12:43:11\",\"publish_up\":\"2019-04-03 12:40:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(144,35,1,'','2019-04-03 13:17:08',915,3697,'aa3e19220dce080c0f9a89ff5de4f6a0de492c51','{\"id\":35,\"asset_id\":140,\"title\":\"Challenge Credit Record\",\"alias\":\"challenge-credit-record\",\"introtext\":\"<p>When a <strong>consumer<\\/strong> requests a <strong>credit<\\/strong> report, the said report must disclose \\u00a0identical information to that which will be displayed should such a \\u00a0report be provided to a third party.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>If the accuracy of the consumer credit information is challenged by a consumer,\\u00a0<\\/strong><\\/p>\\r\\n<p><strong>the following steps should be taken:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The consumer must contact the credit bureau concerned to raise an objection or lodge a complaint (either TransUnion ITC or Experian);<\\/li>\\r\\n<li>The bureau has 20 business days in which to resolve the issue;<\\/li>\\r\\n<li>If the bureau is unable to resolve the issue, the consumer should refer the matter to the <a href=\\\"http:\\/\\/www.creditombud.org.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Information Ombudsman (CIO)<\\/a>;<\\/li>\\r\\n<li>Should the CIO be unable to find a resolution, the NCR will intervene on the request of the CIO.<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that the <strong>National Credit<\\/strong> \\u00a0Regulator will not be able to deal with the complaint until the complainant has first contacted the credit bureau.<\\/p>\\r\\n<p><strong>Call center numbers of the credit bureau<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"line-height: 15.8079996109009px; height: 65px;\\\" width=\\\"576\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<th style=\\\"text-align: left;\\\" colspan=\\\"2\\\">TransUnion ITC<\\/th>\\r\\n<th style=\\\"text-align: left;\\\" colspan=\\\"2\\\">Experian<\\/th>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>Consumer<\\/strong><\\/td>\\r\\n<td>0861 482 482\\u00a0<\\/td>\\r\\n<td><strong>Consumer<\\/strong><\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>Credit Provider<\\/strong><\\/td>\\r\\n<td>0861 482 482<\\/td>\\r\\n<td><strong>Credit Provider<\\/strong><\\/td>\\r\\n<td>0861 636 070<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-03 13:17:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-03 13:17:08\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-03 13:17:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(145,36,1,'','2019-04-03 13:34:20',915,5356,'dcfa81ace1551fb0e87eae6cd334607cd9d70594','{\"id\":36,\"asset_id\":141,\"title\":\"Consumer Rights\",\"alias\":\"consumer-rights\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCR+KNOW+YOUR+CREDIT_POSTER+REVISION.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your credit status<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=2&amp;Itemid=431\\\">As a South African Consumer,you have the right to:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/ENGLISH.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">All you need to know about the <strong>National Credit<\\/strong> Act as a <strong>consumer<\\/strong><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>Brochures<\\/strong><\\/p>\\r\\n<p><strong><img src=\\\"images\\/brochure1.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/><\\/strong><\\/p>\\r\\n<p>Please choose language:<\\/p>\\r\\n<!--<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\">Northern Sotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Northern Sotho<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/td>\\r\\n<td colspan=\\\"4\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-03 13:34:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-03 13:34:20\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-03 13:34:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(146,36,1,'','2019-04-03 13:39:06',915,5355,'03ba604090d5b2032a0b80b33ba3786df0431315','{\"id\":36,\"asset_id\":\"141\",\"title\":\"Consumer Rights\",\"alias\":\"consumer-rights\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCR+KNOW+YOUR+CREDIT_POSTER+REVISION.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your credit status<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=2&amp;Itemid=431\\\">As a South African Consumer,you have the right to:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/ENGLISH.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">All you need to know about the <strong>National Credit<\\/strong> Act as a <strong>consumer<\\/strong><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Brochures<\\/strong><\\/p>\\r\\n<p><strong><img src=\\\"images\\/brochure1.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/><\\/strong><\\/p>\\r\\n<p>Please choose language:<\\/p>\\r\\n<!--<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\">Northern Sotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Northern Sotho<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/td>\\r\\n<td colspan=\\\"4\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-03 13:34:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-03 13:39:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-03 13:38:37\",\"publish_up\":\"2019-04-03 13:34:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(147,36,1,'','2019-04-04 13:24:04',915,5418,'1541c657409bd283784be2182703487dd22cb116','{\"id\":36,\"asset_id\":\"141\",\"title\":\"Consumer Rights\",\"alias\":\"consumer-rights\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCR+KNOW+YOUR+CREDIT_POSTER+REVISION.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your credit status<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=2&amp;Itemid=431\\\">As a South African Consumer,you have the right to:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/ENGLISH.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">All you need to know about the <strong>National Credit<\\/strong> Act as a <strong>consumer<\\/strong><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Brochures<\\/strong><\\/p>\\r\\n<p><strong><img src=\\\"images\\/brochure1.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/><\\/strong><\\/p>\\r\\n<p>Please choose language:<\\/p>\\r\\n<!--<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\">Northern Sotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Northern Sotho<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/td>\\r\\n<td colspan=\\\"4\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-03 13:34:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-04 13:24:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-04 13:22:57\",\"publish_up\":\"2019-04-03 13:34:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(150,26,1,'','2019-04-04 13:40:22',915,12119,'24f601640f7feb3257502eae3c30ba78f0c71515','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-04 13:40:22\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-04 13:39:49\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(151,26,1,'','2019-04-04 13:42:16',915,12228,'36453690c58523c2612dbd9499dd856fd601b81e','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-04 13:42:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-04 13:40:22\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"10\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(152,26,1,'','2019-04-04 13:45:41',915,12813,'a3fcf80b503c99e03f812951160fde516921362b','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-04 13:45:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-04 13:42:16\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"11\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(153,37,1,'','2019-04-04 13:47:36',915,2821,'67ceb02402f8297b589f322d204f54d472b57b72','{\"id\":37,\"asset_id\":142,\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<p><a href=\\\"documents\\/complaints_processs.pdf\\\"><img src=\\\"images\\/complaint_process.png\\\" alt=\\\"\\\" width=\\\"700\\\" \\/><\\/a><\\/p>\\r\\n<p><br \\/><br \\/><\\/p>\\r\\n<p><a style=\\\"line-height: 15.8079996109009px;\\\" href=\\\"newsletters\\/01\\/MAMA%20SIZA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" width=\\\"524\\\" height=\\\"741\\\" \\/><\\/a><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-1.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-2.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-04 13:47:36\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-04 13:47:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(155,38,1,'','2019-04-09 13:33:43',915,2208,'877854e9eeaee19d85b88700e3e291aa95b42a52','{\"id\":38,\"asset_id\":143,\"title\":\"Get Help\",\"alias\":\"get-help\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22\\\">Over-Indebtedness<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=23\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer Assistance<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-09 13:33:43\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-09 13:33:43\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-09 13:33:43\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(156,38,1,'','2019-04-09 13:36:39',915,2181,'481c501f3393aabbf8573ff45493c182a8f862b0','{\"id\":38,\"asset_id\":\"143\",\"title\":\"Get Help\",\"alias\":\"get-help\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22\\\">Over-Indebtedness<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=23\\\">Consumer Assistance<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-09 13:33:43\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-09 13:36:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-09 13:36:28\",\"publish_up\":\"2019-04-09 13:33:43\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"4\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(158,23,5,'','2019-04-11 09:27:05',915,557,'a4d6133d6622ee77350f27aa864886aed298b6e4','{\"id\":23,\"asset_id\":145,\"parent_id\":\"1\",\"lft\":\"41\",\"rgt\":42,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Procument\",\"alias\":\"procument\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 09:27:05\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 09:27:05\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(159,39,1,'','2019-04-11 09:28:11',915,1893,'30fb2f8779fe8151f0d272e1ac4a713da97bdb9e','{\"id\":39,\"asset_id\":146,\"title\":\"NCR BBBEE Certificate\",\"alias\":\"ncr-bbbee-certificate\",\"introtext\":\"<p><a href=\\\"documents\\/NCR BEE Certificate HRGEN137317 Final.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2019-04-11 09:28:11\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-11 09:28:11\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-11 09:28:11\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(160,24,5,'','2019-04-11 09:43:48',915,545,'ab93e57114ff3d8cd2b1d3381f3a5ef6650734e6','{\"id\":24,\"asset_id\":147,\"parent_id\":\"1\",\"lft\":\"43\",\"rgt\":44,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"ADR\",\"alias\":\"adr\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 09:43:48\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 09:43:48\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(161,24,5,'','2019-04-11 09:44:24',915,567,'62dc7616c588aba97eab5b161fd089af9353d204','{\"id\":24,\"asset_id\":\"147\",\"parent_id\":\"13\",\"lft\":\"22\",\"rgt\":23,\"level\":2,\"path\":\"adr\",\"extension\":\"com_content\",\"title\":\"ADR\",\"alias\":\"adr\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-11 09:44:16\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 09:43:48\",\"modified_user_id\":\"915\",\"modified_time\":\"2019-04-11 09:44:24\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(162,40,1,'','2019-04-11 09:44:57',915,10448,'e87d940763dccb6946c67d0181d6aa9d7b944953','{\"id\":40,\"asset_id\":148,\"title\":\"Registration as an alternative dispute resolution agent (adr)\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p>REGISTRATION AS AN ALTERNATIVE DISPUTE RESOLUTION AGENT (ADR)<br \\/> <strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list; and<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a commitment by the National Credit Regulator not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A minimum Grade 12 certificate or equivalent Level 4 qualification issued by the South African Qualifications Authority (SAQA);<\\/li>\\r\\n<li>A three year degree; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Experience and Competence: <\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Must demonstrate the ability to:-<\\/li>\\r\\n<ul>\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013<\\/li>\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"http:\\/\\/www.ncr.org.za\\/pdfs\\/registration\\/Resolution_specimen.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached);<\\/li>\\r\\n<li>A Police Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure attached hereto marked Annexure \\u201c<strong>A<\\/strong>\\u201d;<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-11 09:44:57\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 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Counsellor\",\"alias\":\"debt-counsellor\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 10:16:52\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 10:16:52\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(169,27,5,'','2019-04-11 10:43:38',915,570,'4359b0fc31942fbaa58d38b1a427f690e9fada92','{\"id\":27,\"asset_id\":153,\"parent_id\":\"13\",\"lft\":\"28\",\"rgt\":29,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Credit 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Bureau\",\"alias\":\"credit-bureau\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 12:46:33\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 12:46:33\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(173,29,5,'','2019-04-11 13:18:33',915,584,'10c3ca1ced7afabba774d9d036f071584fd72865','{\"id\":29,\"asset_id\":157,\"parent_id\":\"13\",\"lft\":\"32\",\"rgt\":33,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Reseller Credit Bureau\",\"alias\":\"reseller-credit-bureau\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 13:18:33\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 13:18:33\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(184,49,1,'','2019-04-17 12:42:51',915,2617,'d69b5b78a49d3d09e1435389c45c54d7622dcaa0','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CP\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Preliminary Developmental credit guidelines.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/REGISTRATION AS A CREDIT PROVIDER.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a credit provider.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Resolution pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 12:42:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-17 12:42:42\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(185,50,1,'','2019-04-17 12:44:45',915,1763,'91da3e38db61d8b37423e33891a2f08fa893ec51','{\"id\":50,\"asset_id\":164,\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 12:44:45\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(186,50,1,'','2019-04-17 12:47:56',915,2303,'b11016cabed54a70524db7a36ac98921209c37d6','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/DC\\/Annexure Confirmation of payment of fees - DC.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/REGISTRATION AS A DEBT COUNSELLOR.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a debt counsellor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 12:47:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-17 12:47:46\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(188,52,1,'','2019-04-17 13:17:27',915,2568,'aaa10f4762f2e7892c21fff815a8069cf30f0abb','{\"id\":52,\"asset_id\":166,\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 13:17:27\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(189,53,1,'','2019-04-17 13:28:48',915,2583,'070f74b6bff437f0b56d61eec2d2899e9036a13a','{\"id\":53,\"asset_id\":167,\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/PDA\\/Annexure Confirmation of payment of fees - PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review requirements for PDAs<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/REGISTRATION AS A PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a Payment Distribution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - PDA<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 13:28:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(190,54,1,'','2019-04-17 13:35:37',915,2595,'0c9663f0e68e235db70f2ccf7a4a16fa4ddfeff8','{\"id\":54,\"asset_id\":168,\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Audit review for CB October 2017 updated doc.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review for CB <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/REGISTRATION AS A CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a credit bureau.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 13:35:37\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(196,55,1,'','2019-04-24 10:33:54',915,4824,'3347f2bb7c4a8e9973f4ad5af6c0fd744b55f8a8','{\"id\":55,\"asset_id\":173,\"title\":\"Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful\",\"alias\":\"tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\",\"introtext\":\"<p>The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<p>In its judgment, the Tribunal found that the \\u201con the road\\u201d fee, admin fee and handling fee charged by Volkswagen Financial Services to consumers on credit agreements are not permitted by the National Credit Act (the Act).<\\/p>\\r\\n<p>The Tribunal ordered Volkswagen Financial Services to \\u2013<\\/p>\\r\\n<ol>\\r\\n<li>cease the practice and\\/or conduct of charging consumers the \\u201con the road\\u201d, admin and handling fees on credit agreements from 10 April 2019 and to submit written confirmation to the NCR to this effect;<\\/li>\\r\\n<li>calculate the total amount of charges, fees or interest levied on the \\u201con the road\\u201d, admin and handling fees; and<\\/li>\\r\\n<li>refund all those consumers charges, fees or interest levied and submit a report by independent auditors to the NCR.<\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u201cThe NCR welcomes this judgment as it affirms the protection given to consumers by the National Credit Act against illegal charges and fees on credit agreements\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>The NCR will continue to conduct industry-wide investigations on fees and charges on credit agreements to root out illegal charges and fees on credit agreements.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak88766\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> 064\\u00a0752 3920<br \\/> E-mail:\\u00a0<span id=\\\"cloak16219\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:33:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:33:54\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:33:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(197,16,1,'','2019-04-24 10:39:30',915,5100,'6ff92c53867f929379c8cbe78bddc408e2946c0f','{\"id\":16,\"asset_id\":\"108\",\"title\":\"Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape\",\"alias\":\"joint-operation-between-ncr-office-of-the-consumer-protector-and-sassa-in-sarah-baartman-district-municipality-in-the-eastern-cape\",\"introtext\":\"<p>On Friday, 01 February 2019, the National Credit Regulator (NCR) joined forces with the Office of the Consumer Protector, South African Social Security Agency (SASSA) and South African Police Service (SAPS) from the Sarah Baartman Region in an operation aimed at curbing illegal retention of consumer instruments including identity books, bank cards and SASSA cards, to enforce credit agreements.<\\/p>\\r\\n<p>The operations were conducted at an entity conducting business in Jeffreys Bay, Somerset East and Humansdorp. During the operation, 393 SASSA and bank cards as well as 37 identity books were seized. Four (4) criminal cases were opened and we are hopeful that there will be swift prosecution of these matters.\\u00a0<\\/p>\\r\\n<p>The focus of this kind of operation is primarily to identify credit providers who are unlawfully retaining pension cards, bank cards, identity documents and personal identity numbers (PIN) of their clients as surety. \\u201cRetaining these cards is a contravention of the National Credit Act (NCA) and it is a criminal offence\\u201d, says Jacqueline Peters Manager of the Investigations and Enforcement Department at the National Credit Regulator.\\u00a0<\\/p>\\r\\n<p>Peters says this operation will not be the last of its kind in the region. SASSA and the Office of the Consumer Protector will continue to work together to root out predatory practices and to ensure that all credit providers, no matter where they conduct business, comply with the provisions of the National Credit Act. \\u201cThe exploitation of vulnerable and unsuspecting consumers by credit providers will not be tolerated,\\u201d added Peters.<\\/p>\\r\\n<p>\\u201cConsumers are cautioned to avoid credit providers who require them to hand over their identity books or SASSA cards as it is a criminal offence and it is usually coupled with reckless lending and overcharging\\u201d, concludes Peters.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak28443\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/>Lebogang Selibi<br \\/>(011)\\u00a0 554-2722<br \\/>E-mail:\\u00a0<span id=\\\"cloak63445\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-19 06:33:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:39:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-24 10:39:11\",\"publish_up\":\"2019-03-19 06:33:16\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"15\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(198,3,1,'','2019-04-24 10:40:37',915,4895,'e7ed2b5cf0b4bb52eeedbd6e62d5af290fcb37ed','{\"id\":3,\"asset_id\":\"62\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p>[<strong>JOHANNESBURG<\\/strong>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>The fake credit providers would generally use the details of legitimate credit providers and attempt to make one believe that they are endorsed by government agencies such as the NCR, one must not be misled and can look out for the typical signs. \\u00a0<\\/p>\\r\\n<p>Below is general advise for consumers to avoid scams:<\\/p>\\r\\n<ul>\\r\\n<li>Treat all unexpected calls, emails and sms messages with caution. Don\\u2019t assume they\\u2019re genuine, even if the person seems to know some basic information about you, such as your name; \\u00a0<\\/li>\\r\\n<li>Look out for the name on all e-mails, in case it is a \\u2018clone company\\u2019 pretending to be a real credit provider.<\\/li>\\r\\n<li>Do not pay any upfront fees to release your loans. The National Credit Act does not allow credit providers to request upfront payments for the release of a loan, if the \\u2018credit provider makes this request, do not engage further and report to the relevant authorities, such as the NCR or the SAPS;<\\/li>\\r\\n<li>Be aware of platforms and hidden fees included for sourcing a loan;<\\/li>\\r\\n<li>Don\\u2019t be pressured into acting quickly. A genuine credit provider won\\u2019t mind waiting if you want time to think and compare the costs of credit by using a quotation;<\\/li>\\r\\n<li>Do not engage with credit providers who do not conduct affordability assessments.\\u00a0 Furthermore, never give false or incorrect information on a credit application about your financial affairs.\\u00a0 Always disclose your financial obligations and living expenses fully.<\\/li>\\r\\n<li>Never borrow from an unregistered credit provider.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u2018If the proposal is too good to be true, it usually is\\u2019.<\\/p>\\r\\n<p>If a consumer is unsure or in doubt about the legitimacy of the credit provider or agreement, they should contact the NCR on (011\\u00a0554 2600\\/2700 or visit our website at\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>.<\\/p>\\r\\n<p>Issued by: The National Credit Regulator<\\/p>\\r\\n<p>Ends<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:40:37\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-24 10:40:00\",\"publish_up\":\"2019-03-06 15:23:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"20\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(199,56,1,'','2019-04-24 10:41:25',915,8361,'663c755bceb0be51e5fe4d41e70a1016d408f589','{\"id\":56,\"asset_id\":174,\"title\":\"Do not overdo it this festive season \\u2013 Spend Wisely!\",\"alias\":\"do-not-overdo-it-this-festive-season-spend-wisely\",\"introtext\":\"<p align=\\\"right\\\"><strong>December 2018<\\/strong><\\/p>\\r\\n<p>This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR. The gross debtors book represents what consumers owe in terms of mortgages, vehicle finance, unsecured credit, store cards, credit cards, overdrafts, short term credit etc.<\\/p>\\r\\n<p>\\u201cWe are advising consumers to be cautious of their spending during this festive season and only spend what they can afford.\\u201d Consumers should not overdo it, says Golele. During the silly season you would find people spending unnecessarily on things that they do not need and sometimes wasting as they have additional income in a form of bonuses, stokvel payouts etc. \\u201cAdditional income such as this can be used to settle debt and also be saved in platforms that will grow the money unlike spending it on things you do not need and those that will finish your money\\u201d, advises Golele.<\\/p>\\r\\n<p>When spending during the festive season, consumers should think about the new year which will be upon us sooner that we can realise. The new year comes with its own expenses such as school uniform, school registration fees, transport costs, food costs and many other costs. \\u201cIf you failed to plan and spend wisely during the festive season, you will find yourself cash strapped in the new year and it will be difficult to get out\\u201d, says Golele.<\\/p>\\r\\n<p>He says consumers should only use registered credit providers when seeking credit because using unregistered lenders can end up being their worst nightmare in the near future. \\u201cUnregistered lenders will take your identity documents, bank cards \\/ PINs and SASSA cards and withdraw your money immediately after you get paid. They will literally pay themselves first and leave you with change to get by for an entire month\\u201d, he adds.\\u00a0 Golele says this will lead to a debt-trap and make such consumers dependent on these lenders for a very long time.<\\/p>\\r\\n<p>Unregistered lenders often charge consumers unlawful interest rates that are more than what the law specifies. The danger of being charged unreasonable interest rates is that consumers will battle to finish repaying the loan, meaning they will be stuck with that lender. \\u201cThis means that you will be enslaved to the micro-lender\\u201d, cautions Golele. \\u201cAccording to the National Credit Act, each and every one who gives out credit and charges interest must register with the National Credit Regulator\\u201d, says Golele.<\\/p>\\r\\n<p>During the silly season, consumers should be wary of deals such as \\u201cbuy now, pay after three months\\u201d and then incur additional credit during those three months, cautioned Golele. \\u201cDo not be afraid to request for a pre-agreement statement and quotation when applying for any type of credit, remember, it is your right according to the National Credit Act.\\u201d A quotation will inform consumers on how much the new credit will cost them prior to putting their signatures on the contract\\/credit agreement. It will also enable consumers to shop around and do a comparison.<\\/p>\\r\\n<p>\\u201cUse your bonus to reduce your debt burden by paying off existing debt. Remember as soon as you settle outstanding credit that you are blacklisted for, the listing will be removed from your credit report thus giving you a better chance of getting new credit for asset building purposes such as getting finance for a mortgage bond, says Golele.<\\/p>\\r\\n<p>To consumers who have lost their jobs, please inform your credit providers about your situation. If you were paying for credit life insurance, contact your credit providers for assistance as the aim of credit life insurance is to pay the consumer\\u2019s debt either in full or a portion in case the consumer dies, gets retrenched or disabled whilst still owing that particular credit, says Golele.<\\/p>\\r\\n<p>Below are tips to assist consumers to spend wisely during the festive season:<\\/p>\\r\\n<ul>\\r\\n<li>Draw a budget for the month and include all debt, rent, electricity, water, insurance, transport, gifts, entertainment, etc;<\\/li>\\r\\n<li>When going shopping, have a shopping list to avoid buying unnecessary items;<\\/li>\\r\\n<li>If you didn\\u2019t budget for a holiday earlier in the year, it might be too late and risky in terms of finances to go on holiday this year;<\\/li>\\r\\n<li>Prioritise your home loan and rent;<\\/li>\\r\\n<li>Before you cancel any insurance, speak to a financial advisor;<\\/li>\\r\\n<li>If you borrow money, make sure you borrow only for what is strictly necessary, and ensure that you can afford the repayments;<\\/li>\\r\\n<li>Start saving for next year\\u2019s projects that you would like to undertake such as holidays, renovations, studying, big sales, etc;<\\/li>\\r\\n<li>If you are battling with your debts, contact a registered debt counsellor for assistance; and<\\/li>\\r\\n<li>As much as possible, during the festive season keep to your normal spending patterns. Don\\u2019t make drastic changes that may leave you over-indebted in the new year.<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office:\\u00a0<span id=\\\"cloak95593\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak96440\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:41:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:41:25\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:41:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(200,57,1,'','2019-04-24 10:45:30',915,4258,'7079b46ef2ec868abd39884f46c30d046a31bfd9','{\"id\":57,\"asset_id\":175,\"title\":\"The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations\",\"alias\":\"the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\",\"introtext\":\"<p><strong>November 2018<\\/strong><\\/p>\\r\\n<p>The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<p>The regulations reduced the interest rate on the second short-term loan in a calendar year from 5% to 3% per month.<\\/p>\\r\\n<p>\\u201cThe NCR welcomes the decision of the Supreme Court of Appeal and calls on all credit providers to support initiatives by government and the NCR to address consumer over-indebtedness\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>The regulations remain in force and mean that consumers pay 5% interest on the first short-term loan and 3% interest on subsequent short-term loans in a calendar year.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of credit providers, credit bureaus, debt counsellors, payment distribution agents, and alternative dispute resolution agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak9942\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak40534\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:45:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:45:30\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:45:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(201,58,1,'','2019-04-24 10:46:50',915,6322,'c4297d104c3e31f76a7964686193c1c3f30af3b4','{\"id\":58,\"asset_id\":176,\"title\":\"Don\\u2019t let Black Friday be the reason for your financial woes!\",\"alias\":\"don-t-let-black-friday-be-the-reason-for-your-financial-woes\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2018<\\/strong><\\/p>\\r\\n<p>Out of the 24.59 million credit active consumers, 61.1% are in good standing. However, 38.9% or 9.6 million consumers have impaired records. This is a record on which a consumer and\\/or any of the accounts are either classified as three or more payments or months in arrears, have an adverse listing, have a judgment or an administration order.<\\/p>\\r\\n<p>\\u201cIf you did not budget for \\u201cBlack Friday\\u201d this year, do not be tempted because buying on impulse may cause you to have a bad credit record\\u201d, says Jimmy Golele, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>By preparing a budget, consumers can prevent buyers\\u2019 remorse and stress of arriving home with products and items that they do not really need. \\u201cCredit needs to be paid back with interest and fees\\u201d.\\u00a0 \\u201cIt does cost more to pay by credit than to pay cash\\u201d, adds Golele.<\\/p>\\r\\n<p>The Consumer Credit Market Report (CCMR) which is a publication issued by the NCR indicates that a large number of consumers have taken out credit facilities which largely include credit \\/ garage cards and store cards. The NCR advises consumers to use credit wisely and only when it is necessary.<\\/p>\\r\\n<p>Golele says that consumers need to take credit that they can afford and pay accordingly as per their credit agreements. Skipping payments will adversely affect consumers\\u2019 credit reports which will limit their future chances of accessing further credit when they really need it.<\\/p>\\r\\n<p>Golele reminds consumers that the festive season is around the corner and if they do not spend wisely during this Black Friday, this could set them back financially in the new year and it will be difficult to catch up. \\u201cConsumers should prioritise necessities like their bond \\/ rent, transport, groceries, school fees, insurance etc. before splurging on Black Friday\\u201d, advises Golele. \\u201cIt is really not wise to fund Black Friday shopping spree by taking unnecessary debt because debt is costly and should be used for asset building\\u201d, says Golele.<\\/p>\\r\\n<p>To help consumers avoid the urge to unnecessarily spend this Black Friday, Golele offers these helpful tips:<\\/p>\\r\\n<ul>\\r\\n<li>Set a realistic budget of what you can afford to spend and stick to it;<\\/li>\\r\\n<li>Don\\u2019t spend what you don\\u2019t have \\u2013 this means do not live beyond your means and don\\u2019t buy if you haven\\u2019t budgeted;<\\/li>\\r\\n<li>If an item is on sale and you buy it on credit, remember that interest and fees will push up the price. Therefore, cash is king!<\\/li>\\r\\n<li>Don\\u2019t be impulsive when you shop;<\\/li>\\r\\n<li>Have a shopping list to avoid buying unnecessary items - if you don\\u2019t need it now, chances are you may never need it. So avoid wasting your time and hard earned money;<\\/li>\\r\\n<li>Don\\u2019t forget to get a free copy of your credit report from registered credit bureaus on the NCR\\u2019s website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u201cDon\\u2019t let Black Friday burn a hole in your pocket and be a reason for your financial woes next year\\u201d, concludes Golele.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong>\\u00a0<\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak20434\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak93619\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:46:50\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:46:50\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:46:50\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(202,59,1,'','2019-04-24 10:47:19',915,5704,'caa7304e10f4b1e4d14b2f172521f6e25408d9d2','{\"id\":59,\"asset_id\":177,\"title\":\"The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling\",\"alias\":\"the-national-credit-regulator-to-educate-the-community-of-katlehong-in-ekurhuleni-on-their-consumer-rights-and-debt-counselling\",\"introtext\":\"<p align=\\\"right\\\">November 2018<\\/p>\\r\\n<p>The National Credit Regulator (NCR) will be hosting a workshop in Katlehong on Saturday, 17 November 2018 on an initiative to educate consumers who reside in and around Katlehong on the National Credit Act (NCA), debt counselling, their consumer rights and responsibilities on credit related matters. This workshop will be held in Ekurhuleni School for the Deaf.<\\/p>\\r\\n<p>The workshop aims to equip the community with education and awareness of their rights and responsibilities on credit related matters in terms of the National Credit Act. Statistics show that there are about 24.59 million credit active consumers in South Africa and of this number, 38.9% which is 9.6 million consumers unfortunately have impaired records. An impaired record is a record in which a consumer and\\/or any of the accounts are either classified as three or more payments or months in arrears, have an adverse listing, have a judgment or an administration order.<\\/p>\\r\\n<p>The NCR will be providing consumers of Katlehong and the surrounding areas with guidance on how to manage their debts, what debt counselling is, how does it work and also dispel the myths associated with debt counselling and the roles of credit bureaus. Kedilatile Legodi, Manager: Debt Counselling at the National Credit Regulator says the NCR will be educating, raising awareness and empowering consumers on how to handle credit and\\/or debt related problems.\\u00a0<\\/p>\\r\\n<p>She says that there are many reasons why people find themselves in financial distress, such as the recession, change in circumstances like divorce or death, poor financial planning and others. These may cause consumers to find themselves no longer being able to pay their monthly debt repayments.<\\/p>\\r\\n<p>Legodi says that consumers who are in this situation should not hide or feel despondent as there could be help in the form of debt counselling. Debt counselling is a debt relief measure in terms of the NCA that aims to provide relief for consumers who are struggling with debt. This service is only offered by debt counsellors who are registered with the NCR.<\\/p>\\r\\n<p>The NCR has also invited different stakeholders dealing with consumer related issues who will be present on the day of the workshop. We therefore encourage consumers, to attend this workshop and use the opportunity to engage the NCR on any credit related query and\\/or complaint they may have. A consumer who is educated on his\\/her rights is a protected one, concludes Legodi.<\\/p>\\r\\n<p align=\\\"center\\\">ENDS<\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak73060\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak28627\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:47:19\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:47:19\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:47:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(203,60,1,'','2019-04-24 10:48:22',915,4504,'bee849f7595ee78297701b25367007367a75254d','{\"id\":60,\"asset_id\":178,\"title\":\"The National Credit Regulator issues a public warning about Charis Financial Services\",\"alias\":\"the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services-2\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2018<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal.\\u00a0<br \\/> <br \\/> Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.\\u00a0\\u00a0<br \\/> <br \\/> \\u201cCredit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and \\/ or the value of the principal debt\\u201d, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.<\\/p>\\r\\n<p>\\u201cThe NCR will continue with operations to monitor unregistered entities around the country and will bring applications to the National Consumer Tribunal to have credit agreements concluded by unregistered entities to be declared unlawful\\u201d, she added.<\\/p>\\r\\n<p>\\u201cConsumers are urged to ensure that they only apply for credit from credit providers who are registered with the NCR\\u201d, Peters concluded. \\u00a0If a consumer is unsure or in doubt about the legitimacy of the credit provider or a credit agreement, they should contact the NCR on (011) 554-2600\\/2700 or visit\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>. \\u00a0\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office:\\u00a0<span id=\\\"cloak92562\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak39042\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:48:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:48:22\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:48:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(204,61,1,'','2019-04-24 10:49:01',915,7848,'41e39964c0c45dac32982c8a9f5c3fa765f5d683','{\"id\":61,\"asset_id\":179,\"title\":\"Credit extension seasonally surges\",\"alias\":\"credit-extension-seasonally-surges\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2018<\\/strong><\\/p>\\r\\n<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.\\u00a0<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2018:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R4.78 billion (13.50%) quarter-on-quarter and by R3.34 billion (9.07%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, increased by R61.21 million (0.15%) quarter-on-quarter and by R2. 38 billion (6. 07%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.90 billion (11.35%) quarter-on-quarter and by R3.30 billion (21.56%) year-on year.<\\/li>\\r\\n<li>Unsecured credit increased by R2.77 billion (11.95%) quarter-on-quarter and by R5.94 billion (29.58%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2018 was R1.80 trillion, representing an increase of 1.14% quarter-on-quarter and 4.76% year-on-year. The trends for outstanding balances for the quarter ended June 2018 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R8.44 billion (0.92%) for the quarter ended June 2018 and by R33.11 billion (3.72%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R3. 49 billion (0.85%) for the quarter ended June 2018 and by R23.09 billion (5.87%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R1.54 billion (0.67%) for the quarter ended June 2018 and by R6.28 billion (2.79%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R6.01 billion (3.48%) for the quarter ended June 2018 and by R13.16 billion (7.96%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 24.59 million credit-active consumers, which showed a decrease of 3.44% when compared to the 25.46 million in the previous quarter. Consumers classified in good standing decreased by 751,431 to 15.02 million consumers. This amounts to 61.08% of the total number of credit-active consumers, a decrease of 0.85% quarter-on-quarter and an increase of 0.17% year-on-year. The number of credit active accounts decreased from 79.08 million to 76.02 million in the quarter ended June 2018. The number of impaired accounts has decreased in absolute terms from 19.42 million (24.55%) to 19.07 million (25.08%) when compared to March 2018, a decrease of 348,729 quarter-on-quarter and 905,454 year-on-year.<\\/p>\\r\\n<p>The number of enquiries made on consumer credit records was 375.32 million, this was a decrease of 14.64% quarter-on-quarter and of 21.80% year-on-year. Consumer initiated enquiries accounted for 24.52 million of all enquiries, an increase of 0.94% quarter-on-quarter and 33.11% year-on-year. The number of credit reports issued to consumers decreased from 196,920 in the previous quarter to 174,378. A total 98,523 (56.50%) credit reports were issued without charge, and the remaining 75,855 (43.50%) were issued with charge. There were 32,727 disputes lodged on information held on consumer credit records for the quarter ended June 2018, an increase of 6.07% quarter-on-quarter and of 5.26% year-on-year.<\\/p>\\r\\n<p>Consumers battling with their debt repayments should not despair, they are encouraged not to avoid their credit providers but to approach them to assist with payment re-arrangements. In worst cases the assistance of registered debt counsellors must be sought. The debt counselling process was introduced to assist consumers who are over-indebted. Such consumers can no longer meet their debt obligation and living expenses with their income. A registered debt counsellor will assist the consumer with budget advice and assist with the debt restructuring on behalf of the consumer, says Nomsa Motshegare, CEO at the NCR. Consumers must have an income to be accepted to the debt counselling process. Their income will be used in the restructuring process with credit providers, concludes Motshegare.<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March 2018 and June 2018 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2017 and June 2018 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Issued by: The National Credit Regulator<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak73877\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak27161\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:49:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:49:01\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:49:01\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(208,10,1,'','2019-05-20 12:10:18',915,3011,'957cdaaac89cd0907d2d4f21b72c21f5c3aa5a8f','{\"id\":10,\"asset_id\":\"99\",\"title\":\"Compliance\",\"alias\":\"compliance-2\",\"introtext\":\"<h3>Relevant Sections<\\/h3>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/debt_counsellors_compliance_report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellors Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/credit_bureau_annual_compliance_report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Bureau Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Form 39.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-15 12:28:59\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-05-20 12:10:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-05-20 12:09:26\",\"publish_up\":\"2019-03-15 12:28:59\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(214,7,1,'','2019-05-20 12:41:49',915,5337,'0ad52f4b9dfa2c44eb8603a51e77c8ff4daca1fb','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Compliance\",\"alias\":\"compliance\",\"introtext\":\"<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h3>Relevant Sections<\\/h3>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h3>Compliance Report (Credit Provider)<\\/h3>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-05-20 12:41:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-05-20 12:40:45\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(215,30,5,'','2019-06-04 14:49:37',915,561,'b04d50e2b93b77dbc81da7d637686656185e60db','{\"id\":30,\"asset_id\":184,\"parent_id\":\"1\",\"lft\":\"55\",\"rgt\":56,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Legislation\",\"alias\":\"legislation\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-06-04 14:49:37\",\"modified_user_id\":null,\"modified_time\":\"2019-06-04 14:49:37\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(216,28,1,'','2019-06-04 14:49:47',915,3287,'a58bd3e6c5415bdc24529caa6d8903201cf672b6','{\"id\":28,\"asset_id\":\"132\",\"title\":\"Legislation\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/PAIA MANUAL.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA REQUEST FORM.docx\\\">Click here to download Request Form<\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"30\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-04 14:49:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-04 14:49:41\",\"publish_up\":\"2019-04-02 12:41:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(217,28,1,'','2019-06-04 14:50:18',915,3302,'61640ee4ab542ab7c2060dab32df85737274622d','{\"id\":28,\"asset_id\":\"132\",\"title\":\"Legislation\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/PAIA MANUAL.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA REQUEST FORM.docx\\\">Click here to download Request Form<\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<!--<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"30\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-04 14:50:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-04 14:49:47\",\"publish_up\":\"2019-04-02 12:41:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"31\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(218,6,1,'','2019-06-05 12:08:06',915,7125,'1f23ea42821a5ca71995a2bfca15c1eccbe55f64','{\"id\":6,\"asset_id\":\"65\",\"title\":\"If you can no longer afford to pay your debts, debt counselling could be of help\",\"alias\":\"if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help\",\"introtext\":\"<h3 align=\\\"right\\\">January 2019<\\/h3>\\r\\n<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\\r\\n<p>Sebothoma advises consumers to get a pre-agreement statement and quotation when seeking credit as these will outline the cost of credit for the proposed agreement. \\u201cConsumers should not rush to signing anything at this point until they are clear and certain\\u201d, he adds.<\\/p>\\r\\n<p>He concludes by advising consumers to aim at paying off their debt and building up savings over the longer term.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office:\\u00a0<span id=\\\"cloak11190\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or\\u00a0<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak13066\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-05 12:08:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-05 12:07:52\",\"publish_up\":\"2019-03-06 15:24:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"9\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"40\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(219,2,1,'','2019-06-05 12:11:16',915,7039,'85305cb08cfba1beb120a2a551c11c32dc93cffb','{\"id\":2,\"asset_id\":\"61\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<h3 align=\\\"right\\\">January 2019<\\/h3>\\r\\n<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\\r\\n<p>Sebothoma advises consumers to get a pre-agreement statement and quotation when seeking credit as these will outline the cost of credit for the proposed agreement. \\u201cConsumers should not rush to signing anything at this point until they are clear and certain\\u201d, he adds.<\\/p>\\r\\n<p>He concludes by advising consumers to aim at paying off their debt and building up savings over the longer term.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office:\\u00a0<span id=\\\"cloak11190\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or\\u00a0<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak13066\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-05 12:11:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-05 12:10:49\",\"publish_up\":\"2019-03-06 15:23:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"12\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"36\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(221,3,1,'','2019-06-05 12:14:40',915,4925,'0bd540754d88e2556464dd0a64d9a8f4c11d2756','{\"id\":3,\"asset_id\":\"62\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p align=\\\"right\\\">January 2019<\\/p>\\r\\n<p>[<strong>JOHANNESBURG<\\/strong>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\\r\\n<p>The fake credit providers would generally use the details of legitimate credit providers and attempt to make one believe that they are endorsed by government agencies such as the NCR, one must not be misled and can look out for the typical signs. \\u00a0<\\/p>\\r\\n<p>Below is general advise for consumers to avoid scams:<\\/p>\\r\\n<ul>\\r\\n<li>Treat all unexpected calls, emails and sms messages with caution. Don\\u2019t assume they\\u2019re genuine, even if the person seems to know some basic information about you, such as your name; \\u00a0<\\/li>\\r\\n<li>Look out for the name on all e-mails, in case it is a \\u2018clone company\\u2019 pretending to be a real credit provider.<\\/li>\\r\\n<li>Do not pay any upfront fees to release your loans. The National Credit Act does not allow credit providers to request upfront payments for the release of a loan, if the \\u2018credit provider makes this request, do not engage further and report to the relevant authorities, such as the NCR or the SAPS;<\\/li>\\r\\n<li>Be aware of platforms and hidden fees included for sourcing a loan;<\\/li>\\r\\n<li>Don\\u2019t be pressured into acting quickly. A genuine credit provider won\\u2019t mind waiting if you want time to think and compare the costs of credit by using a quotation;<\\/li>\\r\\n<li>Do not engage with credit providers who do not conduct affordability assessments.\\u00a0 Furthermore, never give false or incorrect information on a credit application about your financial affairs.\\u00a0 Always disclose your financial obligations and living expenses fully.<\\/li>\\r\\n<li>Never borrow from an unregistered credit provider.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u2018If the proposal is too good to be true, it usually is\\u2019.<\\/p>\\r\\n<p>If a consumer is unsure or in doubt about the legitimacy of the credit provider or agreement, they should contact the NCR on (011\\u00a0554 2600\\/2700 or visit our website at\\u00a0<a href=\\\"..\\/\\\">www.ncr.org.za<\\/a>.<\\/p>\\r\\n<p>Issued by: The National Credit Regulator<\\/p>\\r\\n<p align=\\\"center\\\">Ends<\\/p>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-05 12:14:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-05 12:14:29\",\"publish_up\":\"2019-03-06 15:23:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"11\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"23\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(224,62,1,'','2019-06-05 12:56:07',915,2830,'64c7f294cefc2c8f562042cac9baeec91de12efb','{\"id\":62,\"asset_id\":185,\"title\":\"Compliance Credit Bureau\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-05 12:56:07\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(226,31,5,'','2019-06-06 10:00:52',915,570,'c538267822fcb9fb25cf180f961219a4cfa39697','{\"id\":31,\"asset_id\":187,\"parent_id\":\"1\",\"lft\":\"57\",\"rgt\":58,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Debt Counselling\",\"alias\":\"debtcounselling\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-06-06 10:00:52\",\"modified_user_id\":null,\"modified_time\":\"2019-06-06 10:00:52\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(227,63,1,'','2019-06-06 10:01:13',915,9437,'ed2ea450983a2a824a51367b831aa798385faddc','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><\\/p>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable fees<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable fees when you apply for debt counselling (link or paste the table of fees).<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-06 10:01:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-06 10:00:57\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(228,63,1,'','2019-06-06 10:04:30',915,9510,'71f9571b87c27e9a22b61e1ec833a373d9f21efc','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><\\/p>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable fees when you apply for debt counselling (link or paste the table of fees).<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-06 10:04:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-06 10:04:23\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(229,32,5,'','2019-06-10 14:30:43',915,588,'136617d21c6e36f871d2f391d2a8619a72637ab2','{\"id\":32,\"asset_id\":188,\"parent_id\":\"1\",\"lft\":\"59\",\"rgt\":60,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"note\":\"\",\"description\":\"\\t\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-06-10 14:30:43\",\"modified_user_id\":null,\"modified_time\":\"2019-06-10 14:30:43\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(230,64,1,'','2019-06-10 14:32:35',915,2754,'25bc840d7e6cd212264961137cf8091762a67119','{\"id\":64,\"asset_id\":189,\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p>Statistics and Research department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrant such as credit providers, credit bureaus, debt counsellors and credit life insurers. Our flagship reports emanating from the data are the Consumer Credit Market Report (CCMR) and Credit Bureau Monitor (CBM). These reports are produced on a quarterly basis. The reports are used and quoted extensively by a variety of stakeholders, including media, government, credit providers, industry analysts, investors, researchers and other decision makers.<\\/p>\\r\\n<p>The department is also responsible for conducting research in line with Sections 13 and 16 of the National Credit Act (NCA). The research requirements also take into account the prevailing trends and market conditions. The department may undertake research in line with requirements of the NCR executive committee or relevant minister<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-10 14:32:35\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(231,62,1,'','2019-06-13 08:20:07',915,3738,'1fe146f6daf45fefb3e65c56f2185c9f69c15237','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Compliance Credit Bureau\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-13 08:20:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-13 08:19:44\",\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(232,49,1,'','2019-06-14 09:03:53',915,2775,'c941adf64f770d146c356d9177a9098d68408642','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CP\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Preliminary Developmental credit guidelines.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/REGISTRATION AS A CREDIT PROVIDER.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a credit provider.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Resolution pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-14 09:03:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-14 09:02:42\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"13\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(233,50,1,'','2019-06-14 09:06:31',915,2460,'01d461b327196fb6b729d15fe956786fb5069278','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/DC\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a debt counsellor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/Annexure Confirmation of payment of fees - DC.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/REGISTRATION AS A DEBT COUNSELLOR.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a debt counsellor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-14 09:06:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-14 09:04:21\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(234,54,1,'','2019-06-14 10:13:45',915,2769,'10667876bc981f632b1306b9b61cb3c53de59505','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CB\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Audit review for CB October 2017 updated doc.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review for CB <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/REGISTRATION AS A CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a credit bureau.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-14 10:13:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-14 10:12:00\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(235,53,1,'','2019-06-14 10:17:23',915,2772,'996964b49417a3c35e8c633bd8e402e2b6da5acd','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/PDA\\/Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a payment distribution agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Annexure Confirmation of payment of fees - PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review requirements for PDAs<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/REGISTRATION AS A PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a Payment Distribution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - PDA<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-14 10:17:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-14 10:14:48\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"4\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(237,8,1,'','2019-06-21 09:53:35',915,2838,'99f062aa987e992d8c736786946f0ec3df085f58','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, and issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments (i.e Bank Cards, SASSA Cards, Identity Documents, etc).<\\/p>\\r\\n<h3>High profile cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,High profile cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-21 09:53:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-21 09:50:35\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":31,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"191\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(238,8,1,'','2019-06-21 09:54:19',915,2838,'4d6b78efc48e97fbb6fb886b50123ba5444ee438','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, and issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments (i.e Bank Cards, SASSA Cards, Identity Documents, etc).<\\/p>\\r\\n<h3>High Profile Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,High profile cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-21 09:54:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-21 09:54:02\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":32,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"191\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(239,63,1,'','2019-06-24 13:58:31',915,9589,'7e095d262d29c8d6f97c507a92f70514538bfb6a','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><\\/p>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable\\u00a0<a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a> when you apply for debt counselling (link or paste the table of fees).<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 13:58:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 13:57:24\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"23\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(240,63,1,'','2019-06-24 14:01:53',915,9584,'fcfc290ac6b72258bcf89171bc1f09019032aa0e','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><\\/p>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable\\u00a0fees when you apply for debt counselling. <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">Click here to view the fees<\\/a>.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 14:01:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 13:58:31\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"27\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(241,8,1,'','2019-06-24 15:14:28',915,2825,'4cd8815e607c578be990837db72a26fef42931b5','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, and issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments (i.e Bank Cards, SASSA Cards, Identity Documents, etc).<\\/p>\\r\\n<h3>Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,High profile cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:14:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:14:21\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":34,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"205\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(242,8,1,'','2019-06-24 15:14:52',915,2812,'21caea8af1fa53016c32c5bb8cebdf2bd3d2b008','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, and issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments (i.e Bank Cards, SASSA Cards, Identity Documents, etc).<\\/p>\\r\\n<h3>Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:14:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:14:28\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":35,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"206\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(243,28,1,'','2019-06-24 15:18:03',915,3295,'bf3c240c48b19a261d8268c671904076d7c68cd7','{\"id\":28,\"asset_id\":\"132\",\"title\":\"PAIA\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/PAIA MANUAL.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA REQUEST FORM.docx\\\">Click here to download Request Form<\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<!--<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"30\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:18:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:17:45\",\"publish_up\":\"2019-04-02 12:41:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(244,30,5,'','2019-06-24 15:18:37',915,587,'b4973db8781c2a5b748871aea6d09ecfb1c1325d','{\"id\":30,\"asset_id\":\"184\",\"parent_id\":\"1\",\"lft\":\"55\",\"rgt\":\"56\",\"level\":\"1\",\"path\":\"legislation\",\"extension\":\"com_content\",\"title\":\"PAIA\",\"alias\":\"legislation\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:18:33\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-06-04 14:49:37\",\"modified_user_id\":\"915\",\"modified_time\":\"2019-06-24 15:18:37\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(245,30,5,'','2019-06-24 15:19:50',915,621,'b561576a1e96c4d7b6c4d230b885f53caffa7260','{\"id\":30,\"asset_id\":\"184\",\"parent_id\":\"1\",\"lft\":\"55\",\"rgt\":\"56\",\"level\":\"1\",\"path\":\"legislation\",\"extension\":\"com_content\",\"title\":\"Promotion of Access to Information Act\",\"alias\":\"legislation\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:18:37\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-06-04 14:49:37\",\"modified_user_id\":\"915\",\"modified_time\":\"2019-06-24 15:19:50\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(246,28,1,'','2019-06-24 15:20:08',915,3329,'42525a08aea87fd7573ffd40069cad9d6ffb795f','{\"id\":28,\"asset_id\":\"132\",\"title\":\"Promotion of Access to Information Act\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/PAIA MANUAL.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA REQUEST FORM.docx\\\">Click here to download Request Form<\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<!--<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"30\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:20:08\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:20:04\",\"publish_up\":\"2019-04-02 12:41:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"38\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(247,64,1,'','2019-06-24 15:28:27',915,2777,'ed79f1ce142df7c3e191aa63f34ca6f30082424a','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p>Statistics and Research Department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrant such as Credit Providers, Credit Bureaus, Debt Counsellors and Credit Life Insurers. Our flagship reports, emanating from the data, are the Consumer Credit Market Report (CCMR) and Credit Bureau Monitor (CBM). These reports are produced on a quarterly basis. The reports are used and quoted extensively by a variety of stakeholders, including media, government, credit providers, industry analysts, investors, researchers and other decision makers.<\\/p>\\r\\n<p>The Department is also responsible for conducting research in line with Sections 13 and 16 of the National Credit Act (NCA). The research requirements also take into account the prevailing trends and market conditions. The department may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:28:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:24:40\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"13\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(248,21,1,'','2019-06-24 15:31:00',915,5601,'6ab553804863c71e321c9742c83465d77fe3372e','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Implementation Schedule<\\/h4>\\r\\n<p>In terms of section 173 of the National Credit Act No. 34 of 2005 (The Act), the following dates have been fixed for the implementation of the stated sections of The Act.<\\/p>\\r\\n<ul>\\r\\n<li><strong>1 June 2006<\\/strong> as the date on which sections 1 to 11 (Chapter 1); sections 12 to 25 and 35 to 38 (Chapter 2 Part A, C and D); sections 39 to 59 (Chapter 3); section 69; section 73; sections 134 to 152 (Chapter 7); sections 153 to 162 and sections 164 to 170 (Chapter 8 excluding section 163); sections 171 to 173 (Chapter 9); Schedule 1; Schedule 2 and Schedule 3 shall come into operation;<\\/li>\\r\\n<li><strong>1 September 2006<\\/strong> as the date on which sections 26 to 34 (Chapter 2 Part B); sections 67, 68, 70 and 72 shall come into operation;<\\/li>\\r\\n<li><strong>1 June 2007<\\/strong> as the date on which sections 60 to 66 (Chapter 4 Part A); section 71; sections 74 to 88 (Chapter 4 Part C and D); sections 89 to 123 (Chapter 5); sections 124 to 133 (Chapter 6); and section 163 shall come into operation.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/implementation_schedule\\/0510165505_2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the proclamation<\\/a><\\/p>\\r\\n<h4>Ministerial Notice Regarding Thresholds<\\/h4>\\r\\n<p>Determination of Thresholds<\\/p>\\r\\n<p>In terms of section 7.(1), 10(1) and the 42(1) of the National Credit Act, 2005 (Act No.34 of2005) I, mandisi Mpahlwa, Minister of Trade and Industry, do hereby make the determination of thresholds as set out in the schedle hereto.<\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/1_28893_1_6_Trade.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/Threshold Regulation.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:31:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:29:48\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"37\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(249,65,1,'','2019-06-25 13:12:48',915,1803,'b1a21bb54c4bdff8064739d4334a8d2a1cd79f8a','{\"id\":65,\"asset_id\":190,\"title\":\"Contact the National Credit Regulator\",\"alias\":\"contact-the-national-credit-regulator\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-06-25 13:12:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-25 13:12:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-06-25 13:12:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(250,66,1,'','2019-06-26 09:21:54',915,1787,'6b23b195ac1f82330cf18f13611b85d70e68f7ee','{\"id\":66,\"asset_id\":194,\"title\":\"map\",\"alias\":\"map\",\"introtext\":\"<p>{googleMaps lat=37.4219720 long=-122.0841430}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-26 09:21:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-26 09:21:54\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-06-26 09:21:54\",\"publish_down\":\"0000-00-00 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09:22:51',915,1807,'105d6712baf6a499614f7b0d874e80efadfcb03f','{\"id\":66,\"asset_id\":\"194\",\"title\":\"map\",\"alias\":\"map\",\"introtext\":\"<p>{googleMaps lat=37.4219720 long=-122.0841430}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-26 09:21:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-26 09:22:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-26 09:22:43\",\"publish_up\":\"2019-06-26 09:21:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"0\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(252,66,1,'','2019-06-26 09:22:59',915,1808,'061f55a0654f0825fea8a87e05728ea1cb5aeab8','{\"id\":66,\"asset_id\":\"194\",\"title\":\"map\",\"alias\":\"map\",\"introtext\":\"<p>{googleMaps lat=37.4219720 long=-122.0841430}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-26 09:21:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-26 09:22:59\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-26 09:22:51\",\"publish_up\":\"2019-06-26 09:21:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"0\\\",\\\"link_titles\\\":\\\"0\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(253,66,1,'','2019-06-26 09:30:19',915,1809,'952762fbd06121505310665542b219e7a75eb96e','{\"id\":66,\"asset_id\":\"194\",\"title\":\"map\",\"alias\":\"map\",\"introtext\":\"<p>{googleMaps addr=\\\"37.4219720, -122.0841430\\\"}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-26 09:21:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-26 09:30:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-26 09:30:13\",\"publish_up\":\"2019-06-26 09:21:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"0\\\",\\\"link_titles\\\":\\\"0\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(254,8,1,'','2019-06-26 14:17:16',915,2820,'adfe10731e00a9210566345c1e257b62ff3d4ced','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, and issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments (i.e Bank Cards, SASSA Cards, Identity Documents, etc).<\\/p>\\r\\n<h3>Notable Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-26 14:17:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-26 14:16:49\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":36,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"220\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(255,21,1,'','2019-06-26 14:19:52',915,3714,'a9403d3fc21d13f399aaadcc3db4097b90aba516','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>\\u00a0<\\/h4>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-26 14:19:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-26 14:19:08\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"41\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(256,67,1,'','2019-06-27 08:47:26',915,2696,'6f061f0cefc29e22c0b6d6556efb5e67e00beced','{\"id\":67,\"asset_id\":196,\"title\":\"Background Documents on the NCA\",\"alias\":\"background-documents-on-the-nca-2\",\"introtext\":\"<h4>Credit law review: setting the scene<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_1.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view the Credit law review: setting the scene<\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<h4>Credit Law Review | August 2003<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_2.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view the Credit Law Review<\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<h4>Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Credit Law Review.pdf\\\">Click here to view the Making Credit Markets Work<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-06-27 08:47:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-27 08:47:26\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-06-27 08:47:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(257,21,1,'','2019-06-28 09:27:49',915,3855,'145944376c8cdbfa22331527a44fcd075515cf7d','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/NEW FEE STRUCTURE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">New Fee Structure<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>\\u00a0<\\/h4>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-28 09:27:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-28 09:26:29\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(260,33,5,'','2019-07-02 14:10:58',915,559,'a97e85287180e088f25ec387dfd5fc4c7067ce70','{\"id\":33,\"asset_id\":197,\"parent_id\":\"1\",\"lft\":\"61\",\"rgt\":62,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-07-02 14:10:58\",\"modified_user_id\":null,\"modified_time\":\"2019-07-02 14:10:58\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(261,29,1,'','2019-07-02 14:11:09',915,3502,'5864277c792a026d0136516b6860df9bcc938b7c','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/li>\\r\\n<li><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-07-02 14:11:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-07-02 14:11:02\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"15\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(262,68,1,'','2019-07-02 14:15:19',915,4755,'81114fed0a0617f58e4c95aa3f4a87d47f2b2db4','{\"id\":68,\"asset_id\":198,\"title\":\"The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act\",\"alias\":\"the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\",\"introtext\":\"<p align=\\\"right\\\"><strong>July 2019<\\/strong><\\/p>\\r\\n<p>The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<p>The NCR had sought an order from the High Court that the common law set-off has been superseded by section 124 of the NCA. The common law set-off is applied when two persons owe each other and the debts are extinguished by setting them off against each other. The banks apply this by transferring funds deposited into consumers\\u2019 accounts to settle debts on credit agreements without the consumers\\u2019 authorisation.<\\/p>\\r\\n<p>The court ruled that the purpose of section 124 is to effect a break from the common law and to oust the continued application of the common law set-off in parallel with section 124. It also ruled that section 124 excludes the operation of the common law set-off in all credit agreements that are regulated by the NCA.<\\/p>\\r\\n<p>\\u201cThe NCR welcomes this judgment as it protects consumers from financial difficulties caused by the arbitrary transfer of funds from their accounts by banks\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>\\u201cBanks should obtain permission from consumers before transferring funds from consumers\\u2019 accounts to pay amounts due under credit agreements\\u201d, Motshegare added.\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information, contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Lebogang Selibi<br \\/> (011) 554-2722<br \\/> 064\\u00a0752 3920<br \\/> E-mail: <a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-07-02 14:15:19\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-07-02 14:15:19\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-07-02 14:15:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(269,61,1,'','2019-07-03 21:20:16',915,7869,'d20a61e039da5a3a9669b7fc7eec675e58b3ddf7','{\"id\":61,\"asset_id\":\"179\",\"title\":\"Credit extension seasonally surges\",\"alias\":\"credit-extension-seasonally-surges\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2018<\\/strong><\\/p>\\r\\n<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.\\u00a0<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2018:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R4.78 billion (13.50%) quarter-on-quarter and by R3.34 billion (9.07%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, increased by R61.21 million (0.15%) quarter-on-quarter and by R2. 38 billion (6. 07%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.90 billion (11.35%) quarter-on-quarter and by R3.30 billion (21.56%) year-on year.<\\/li>\\r\\n<li>Unsecured credit increased by R2.77 billion (11.95%) quarter-on-quarter and by R5.94 billion (29.58%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2018 was R1.80 trillion, representing an increase of 1.14% quarter-on-quarter and 4.76% year-on-year. The trends for outstanding balances for the quarter ended June 2018 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R8.44 billion (0.92%) for the quarter ended June 2018 and by R33.11 billion (3.72%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R3. 49 billion (0.85%) for the quarter ended June 2018 and by R23.09 billion (5.87%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R1.54 billion (0.67%) for the quarter ended June 2018 and by R6.28 billion (2.79%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R6.01 billion (3.48%) for the quarter ended June 2018 and by R13.16 billion (7.96%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 24.59 million credit-active consumers, which showed a decrease of 3.44% when compared to the 25.46 million in the previous quarter. Consumers classified in good standing decreased by 751,431 to 15.02 million consumers. This amounts to 61.08% of the total number of credit-active consumers, a decrease of 0.85% quarter-on-quarter and an increase of 0.17% year-on-year. The number of credit active accounts decreased from 79.08 million to 76.02 million in the quarter ended June 2018. The number of impaired accounts has decreased in absolute terms from 19.42 million (24.55%) to 19.07 million (25.08%) when compared to March 2018, a decrease of 348,729 quarter-on-quarter and 905,454 year-on-year.<\\/p>\\r\\n<p>The number of enquiries made on consumer credit records was 375.32 million, this was a decrease of 14.64% quarter-on-quarter and of 21.80% year-on-year. Consumer initiated enquiries accounted for 24.52 million of all enquiries, an increase of 0.94% quarter-on-quarter and 33.11% year-on-year. The number of credit reports issued to consumers decreased from 196,920 in the previous quarter to 174,378. A total 98,523 (56.50%) credit reports were issued without charge, and the remaining 75,855 (43.50%) were issued with charge. There were 32,727 disputes lodged on information held on consumer credit records for the quarter ended June 2018, an increase of 6.07% quarter-on-quarter and of 5.26% year-on-year.<\\/p>\\r\\n<p>Consumers battling with their debt repayments should not despair, they are encouraged not to avoid their credit providers but to approach them to assist with payment re-arrangements. In worst cases the assistance of registered debt counsellors must be sought. The debt counselling process was introduced to assist consumers who are over-indebted. Such consumers can no longer meet their debt obligation and living expenses with their income. A registered debt counsellor will assist the consumer with budget advice and assist with the debt restructuring on behalf of the consumer, says Nomsa Motshegare, CEO at the NCR. Consumers must have an income to be accepted to the debt counselling process. Their income will be used in the restructuring process with credit providers, concludes Motshegare.<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March 2018 and June 2018 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2017 and June 2018 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Issued by: The National Credit Regulator<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak73877\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak27161\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2018-08-03 10:49:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-07-03 21:20:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-07-03 21:18:34\",\"publish_up\":\"2018-08-03 10:49:01\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"161\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(270,55,1,'','2019-07-03 21:22:11',915,4844,'bcce0609c552e55df8f983af7724731e5114e213','{\"id\":55,\"asset_id\":\"173\",\"title\":\"Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful\",\"alias\":\"tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\",\"introtext\":\"<p>The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<p>In its judgment, the Tribunal found that the \\u201con the road\\u201d fee, admin fee and handling fee charged by Volkswagen Financial Services to consumers on credit agreements are not permitted by the National Credit Act (the Act).<\\/p>\\r\\n<p>The Tribunal ordered Volkswagen Financial Services to \\u2013<\\/p>\\r\\n<ol>\\r\\n<li>cease the practice and\\/or conduct of charging consumers the \\u201con the road\\u201d, admin and handling fees on credit agreements from 10 April 2019 and to submit written confirmation to the NCR to this effect;<\\/li>\\r\\n<li>calculate the total amount of charges, fees or interest levied on the \\u201con the road\\u201d, admin and handling fees; and<\\/li>\\r\\n<li>refund all those consumers charges, fees or interest levied and submit a report by independent auditors to the NCR.<\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u201cThe NCR welcomes this judgment as it affirms the protection given to consumers by the National Credit Act against illegal charges and fees on credit agreements\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>The NCR will continue to conduct industry-wide investigations on fees and charges on credit agreements to root out illegal charges and fees on credit agreements.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak88766\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> 064\\u00a0752 3920<br \\/> E-mail:\\u00a0<span id=\\\"cloak16219\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-07-01 10:33:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-07-03 21:22:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-07-03 21:21:43\",\"publish_up\":\"2019-07-01 10:33:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"7\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"76\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(273,26,1,'','2019-07-09 08:10:10',915,11578,'1c59c577f85683653ed1f99164916e8eae01996d','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-07-09 08:10:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-07-09 08:09:56\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"52\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(282,69,1,'','2019-08-01 08:37:31',915,4509,'a84ecd69a9381a98ca7e2757c7e03fff1a2eeb2e','{\"id\":69,\"asset_id\":199,\"title\":\"The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.\",\"alias\":\"the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\",\"introtext\":\"<p align=\\\"right\\\"><strong>July 2019<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<p>The evidence presented by the NCR showed that JMK Cash Loans extended credit to consumers who received child support and foster care social grants.<\\/p>\\r\\n<p>In its judgment, the Tribunal made a finding that child support and foster care social grants are income to be used for the benefit of third parties and cannot be deemed to be the consumer\\u2019s income.<\\/p>\\r\\n<p>\\u201cThis judgement clarifies that child support and foster care social grants are not to be used as consumer income in credit applications. They are intended to be used for the care and support of the children\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>\\u201cCredit providers are warned to observe this judgement and ensure that they do not allow consumers to use child support and foster care social grants as income in credit applications\\u201d, concludes Motshegare.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>Issued by:<\\/strong><\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information, contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak16541\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Lebogang Selibi<br \\/> (011) 554-2722<br \\/> 064\\u00a0752 3920<br \\/> E-mail:\\u00a0<span id=\\\"cloak28233\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-08-01 08:37:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 08:37:31\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-08-01 08:37:31\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(283,69,1,'','2019-08-01 08:38:44',915,4528,'1a9ae07ee687a567628c8df51b2736d72cb81655','{\"id\":69,\"asset_id\":\"199\",\"title\":\"The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.\",\"alias\":\"the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\",\"introtext\":\"<p align=\\\"right\\\"><strong>July 2019<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<p>The evidence presented by the NCR showed that JMK Cash Loans extended credit to consumers who received child support and foster care social grants.<\\/p>\\r\\n<p>In its judgment, the Tribunal made a finding that child support and foster care social grants are income to be used for the benefit of third parties and cannot be deemed to be the consumer\\u2019s income.<\\/p>\\r\\n<p>\\u201cThis judgement clarifies that child support and foster care social grants are not to be used as consumer income in credit applications. They are intended to be used for the care and support of the children\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>\\u201cCredit providers are warned to observe this judgement and ensure that they do not allow consumers to use child support and foster care social grants as income in credit applications\\u201d, concludes Motshegare.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>Issued by:<\\/strong><\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information, contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak16541\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Lebogang Selibi<br \\/> (011) 554-2722<br \\/> 064\\u00a0752 3920<br \\/> E-mail:\\u00a0<span id=\\\"cloak28233\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-07-18 08:37:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 08:38:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 08:37:31\",\"publish_up\":\"2019-07-18 08:37:31\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(286,50,1,'','2019-08-01 16:00:00',915,2441,'ba6b28fe2db90b694278894dfbee79964a03805e','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/DC\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a debt counsellor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/Annexure Confirmation of payment of fees - DC.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/REGISTRATION AS A DEBT COUNSELLOR.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a debt counsellor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/A.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:00:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 15:59:08\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"19\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(287,49,1,'','2019-08-01 16:06:23',915,2759,'c55d7e9480dc440f924825ae8d39c76f6c7c0008','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CP\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/REGISTRATION AS A CREDIT PROVIDER.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a credit provider.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:06:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 16:04:18\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(288,53,1,'','2019-08-01 16:09:27',915,2753,'abe31c97de29c0d209cb54cd4c071ca04058ba0a','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/PDA\\/Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a payment distribution agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Annexure Confirmation of payment of fees - PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review requirements for PDAs<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/REGISTRATION AS A PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a Payment Distribution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - PDA<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:09:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 16:08:36\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"14\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(289,54,1,'','2019-08-01 16:13:06',915,2750,'f8bd9ca8a027b8d9f7092686ab4886c406b367ff','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CB\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Audit review for CB October 2017 updated doc.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review for CB <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/REGISTRATION AS A CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a credit bureau.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:13:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 16:11:26\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"13\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(290,52,1,'','2019-08-01 16:18:40',915,2899,'91503ef63491e65fbb2fd2efac484930ddad6e36','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Directors Resolution - Resellers - Annexure A.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Directors Resolution - Resellers - Annexure A<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:18:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 16:13:16\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"10\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(291,52,1,'','2019-08-01 16:19:25',915,2907,'4ad4a306ecf786a676fb669ef39d2214bd4f739c','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Directors Resolution - Resellers - Annexure A.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Directors Resolution - Resellers - Annexure A<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/RCB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:19:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 16:18:40\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"11\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(295,14,1,'','2019-08-06 08:13:05',915,2844,'e408f2db05023af32af4d64305cf45ce6f2be970','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-06 08:13:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-06 08:10:07\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"171\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(299,64,1,'','2019-08-06 09:11:33',915,3067,'c9f484781aa2a11a243f7fca5c6a989fcdd29df5','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p>Statistics and Research Department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrant such as Credit Providers, Credit Bureaus, Debt Counsellors and Credit Life Insurers. Our flagship reports, emanating from the data, are the Consumer Credit Market Report (CCMR) and Credit Bureau Monitor (CBM). These reports are produced on a quarterly basis. The reports are used and quoted extensively by a variety of stakeholders, including media, government, credit providers, industry analysts, investors, researchers and other decision makers.<\\/p>\\r\\n<p>The Department is also responsible for conducting research in line with Sections 13 and 16 of the National Credit Act (NCA). The research requirements also take into account the prevailing trends and market conditions. The department may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Pease click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Pease click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-06 09:11:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-06 09:08:04\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"29\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(301,26,1,'','2019-08-06 10:17:05',915,11578,'7d8b62e5f4b7f05f004a173862f1a2b5c44d2e23','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Reception<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-06 10:17:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-06 10:16:21\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(302,1,1,'','2019-08-06 13:29:47',915,2666,'de2e1c9a78d5e77c491ca81949a0b2ab061e0bbd','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-06 13:29:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-06 13:29:09\",\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"7\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(306,64,1,'','2019-08-06 15:01:05',915,3229,'969e7a25edf4f8a04ffc127fa54c77dab714e4a3','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p>Statistics and Research Department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrant such as Credit Providers, Credit Bureaus, Debt Counsellors and Credit Life Insurers. Our flagship reports, emanating from the data, are the Consumer Credit Market Report (CCMR) and Credit Bureau Monitor (CBM). These reports are produced on a quarterly basis. The reports are used and quoted extensively by a variety of stakeholders, including media, government, credit providers, industry analysts, investors, researchers and other decision makers.<\\/p>\\r\\n<p>The Department is also responsible for conducting research in line with Sections 13 and 16 of the National Credit Act (NCA). The research requirements also take into account the prevailing trends and market conditions. The department may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Please click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Please click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\\r\\n<p><a href=\\\"..\\/documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\">Please click here to view the Statistical Returns (Form 39)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-06 15:01:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-06 14:59:11\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(307,14,1,'','2019-08-07 07:41:46',915,2844,'86563ff449b1d47aee9644a4d69f487691340e13','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux, debt counsellors, Alternative Dispute Resolution and Payment Distribution Agency and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-07 07:41:46\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-07 07:40:37\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"178\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(308,14,1,'','2019-08-07 07:42:24',915,2841,'9b6b2a0b42f4b5f2f7aabc3cba87018f282d0663','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux, debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-07 07:42:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-07 07:42:02\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"178\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(309,1,1,'','2019-08-07 07:42:56',915,2663,'ec0181d0f1b5f64bc08511dc57ae2cc4366d8e79','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux, debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-07 07:42:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-07 07:42:31\",\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"7\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(312,21,1,'','2020-02-24 08:58:34',915,3872,'b4bba80992cb5177f0c22267362920681ed42b5e','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the National Credit Act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/NEW FEE STRUCTURE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">New Fee Structure<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>\\u00a0<\\/h4>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 08:58:34\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-02-24 08:58:29\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"114\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(313,72,1,'','2020-02-24 09:25:48',915,4142,'cd6ab74446f8cf669d11aa1228fac8cd23d98ce6','{\"id\":72,\"asset_id\":206,\"title\":\"Disclaimer\",\"alias\":\"disclaimer\",\"introtext\":\"<p><strong>Purpose<\\/strong><\\/p>\\r\\n<p>The purpose of this policy is to show our respect for your privacy It is indicative of our commitment to protect and safeguard customer information and communications from unauthorised intrusions.\\u00a0<\\/p>\\r\\n<p><strong>Privacy policy for all visitors<\\/strong><\\/p>\\r\\n<p>When visiting our website, our system automatically collects and stores the following information:<\\/p>\\r\\n<ul>\\r\\n<li>The internet protocol (IP) address<\\/li>\\r\\n<li>The pages visited<\\/li>\\r\\n<li>The operating system used<\\/li>\\r\\n<li>The date, time and length of visit<\\/li>\\r\\n<li>The type of browser used, such as Netscape or Internet Explorer<\\/li>\\r\\n<\\/ul>\\r\\n<p>This information does not identify visitors personally, and is used to create a website that is more suited to your browsing needs.<\\/p>\\r\\n<p>\\u00a0<strong>How this information is used<\\/strong><\\/p>\\r\\n<p>This information is used to enable The NCR to:<\\/p>\\r\\n<ul>\\r\\n<li>Provide for our subscribers\' preferences<\\/li>\\r\\n<li>Improve current services provided by us.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Security used to protect Information<\\/strong><\\/p>\\r\\n<p>All information is stored in secure databases, and can only be accessed by entering the correct user name and password. Technology and security features have been implemented to safeguard the privacy of all subscribers from unauthorised access or improper use.<\\/p>\\r\\n<p><strong>Access to the Information<\\/strong><\\/p>\\r\\n<p>Personally identifiable information will not be accessed, modified, shared, sold or otherwise disclosed except:<\\/p>\\r\\n<ul>\\r\\n<li>When given permission by the subscriber to do so<\\/li>\\r\\n<li>To enforce agreements with customers and visitors<\\/li>\\r\\n<li>To protect the rights, property or safety of The NCR, its users or others<\\/li>\\r\\n<li>When required to do so by law<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Changes to the Privacy Policy<\\/strong><\\/p>\\r\\n<p>The NCR reserves the right to amend its privacy policy when the need to do so arises. Subscribers will be notified if any substantial changes are made.<\\/p>\\r\\n<p><strong>\\u00a0Consumer Concerns<\\/strong><\\/p>\\r\\n<p>Any queries relating to this privacy policy can be e-mailed to the The NCR Customer Services Department at \\u00a0info@ncr.org.za<\\/p>\\r\\n<p><span id=\\\"key_word\\\"><a href=\\\"http:\\/\\/www.fmr.cat\\/caacshop\\/sante-running\\\">Sant\\u00e9 Nike<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2020-02-24 09:25:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 09:25:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-02-24 09:25:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(314,36,5,'','2020-02-24 09:28:29',915,559,'6603aa0d6a44c371cd5cc175ef970430d0ab8092','{\"id\":36,\"asset_id\":207,\"parent_id\":\"1\",\"lft\":\"67\",\"rgt\":68,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Disclaimer\",\"alias\":\"disclaimer\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2020-02-24 09:28:29\",\"modified_user_id\":null,\"modified_time\":\"2020-02-24 09:28:29\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(315,72,1,'','2020-02-24 09:28:39',915,4162,'b839b4ff7f686a25719892b60d3cdcd459df9f9e','{\"id\":72,\"asset_id\":\"206\",\"title\":\"Disclaimer\",\"alias\":\"disclaimer\",\"introtext\":\"<p><strong>Purpose<\\/strong><\\/p>\\r\\n<p>The purpose of this policy is to show our respect for your privacy It is indicative of our commitment to protect and safeguard customer information and communications from unauthorised intrusions.\\u00a0<\\/p>\\r\\n<p><strong>Privacy policy for all visitors<\\/strong><\\/p>\\r\\n<p>When visiting our website, our system automatically collects and stores the following information:<\\/p>\\r\\n<ul>\\r\\n<li>The internet protocol (IP) address<\\/li>\\r\\n<li>The pages visited<\\/li>\\r\\n<li>The operating system used<\\/li>\\r\\n<li>The date, time and length of visit<\\/li>\\r\\n<li>The type of browser used, such as Netscape or Internet Explorer<\\/li>\\r\\n<\\/ul>\\r\\n<p>This information does not identify visitors personally, and is used to create a website that is more suited to your browsing needs.<\\/p>\\r\\n<p>\\u00a0<strong>How this information is used<\\/strong><\\/p>\\r\\n<p>This information is used to enable The NCR to:<\\/p>\\r\\n<ul>\\r\\n<li>Provide for our subscribers\' preferences<\\/li>\\r\\n<li>Improve current services provided by us.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Security used to protect Information<\\/strong><\\/p>\\r\\n<p>All information is stored in secure databases, and can only be accessed by entering the correct user name and password. Technology and security features have been implemented to safeguard the privacy of all subscribers from unauthorised access or improper use.<\\/p>\\r\\n<p><strong>Access to the Information<\\/strong><\\/p>\\r\\n<p>Personally identifiable information will not be accessed, modified, shared, sold or otherwise disclosed except:<\\/p>\\r\\n<ul>\\r\\n<li>When given permission by the subscriber to do so<\\/li>\\r\\n<li>To enforce agreements with customers and visitors<\\/li>\\r\\n<li>To protect the rights, property or safety of The NCR, its users or others<\\/li>\\r\\n<li>When required to do so by law<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Changes to the Privacy Policy<\\/strong><\\/p>\\r\\n<p>The NCR reserves the right to amend its privacy policy when the need to do so arises. Subscribers will be notified if any substantial changes are made.<\\/p>\\r\\n<p><strong>\\u00a0Consumer Concerns<\\/strong><\\/p>\\r\\n<p>Any queries relating to this privacy policy can be e-mailed to the The NCR Customer Services Department at \\u00a0info@ncr.org.za<\\/p>\\r\\n<p><span id=\\\"key_word\\\"><a href=\\\"http:\\/\\/www.fmr.cat\\/caacshop\\/sante-running\\\">Sant\\u00e9 Nike<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"36\",\"created\":\"2020-02-24 09:25:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 09:28:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-02-24 09:28:32\",\"publish_up\":\"2020-02-24 09:25:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(316,1,1,'','2020-02-24 11:24:39',915,2679,'0b11c032beaba9e318f3df6455221cee540e6a36','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux, debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and enforcement of compliance with the National Credit Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 11:24:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-02-24 11:24:06\",\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"6\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(318,22,1,'','2020-02-24 12:12:46',915,6437,'7f753b870f09b7d7b00ba73fd372ee5907c1d20c','{\"id\":22,\"asset_id\":\"118\",\"title\":\"Over-Indebtedness\",\"alias\":\"over-indebtedness\",\"introtext\":\"<p>Consumers are advised to seek help during these tough economical times, instead of rushing to apply for more credit in order to pay off their debts. The NCR as part of our mandate to educate and protect consumers have devised a \\u201cSelf Help\\u201d document for consumers to help you cope with debt stress.<\\/p>\\r\\n<p>The following are tips from the NCR:<\\/p>\\r\\n<p>1. \\u00a0Know your Financial Status<\\/p>\\r\\n<p>1.1 Know all your creditors \\u2013 create a spread sheet of all your accounts\\/debts as well as monthly expenditure.<\\/p>\\r\\n<p>1.1.1 Have a spending plan and stick to it!<\\/p>\\r\\n<p>1.1.2 List all your expenses e.g.<\\/p>\\r\\n<ul>\\r\\n<li>Rent\\/mortgage<\\/li>\\r\\n<li>Water\\/electricity\\/rates<\\/li>\\r\\n<li>Grocery<\\/li>\\r\\n<li>Transport<\\/li>\\r\\n<li>School\\/cr\\u00e8che fees<\\/li>\\r\\n<li>Medical expenses (if not on medical aid)<\\/li>\\r\\n<li>Insurances<\\/li>\\r\\n<li>Bank charges (estimate, based on statement)<\\/li>\\r\\n<\\/ul>\\r\\n<p>1.2 Compare your total monthly income with your total expenditure<\\/p>\\r\\n<p>1.3 If your expenditure is more than your income\\u00a0<\\/p>\\r\\n<p>DO SOMETHING ABOUT IT!<\\/p>\\r\\n<p>2. Communicate with your Credit Providers<\\/p>\\r\\n<p>2.1 Know all your credit providers\\u2019 contact details and keep your account statements in a safe place.<\\/p>\\r\\n<p>2.2 When you are experience problems repaying your debts, contact your creditors. Get in touch with the Credit Department, not your local branch.<\\/p>\\r\\n<p>2.3 Always explain your situation if you cannot afford to pay your instalments.<\\/p>\\r\\n<p>2.4 Do not promise to pay what you don\\u2019t have. Rather negotiate for lower instalments than skip payments.<\\/p>\\r\\n<p><strong>Here are some useful contact details:\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong>ABSA<\\/strong> -\\u00a0ABSA Customer Debt Repair Line: 0860 356 356<\\/li>\\r\\n<li><strong>Nedbank<\\/strong> -\\u00a0Debt Rehabilitation &amp; Recoveries Services: 0860 109 279<\\/li>\\r\\n<li><strong>Standard Bank<\\/strong> -\\u00a0Contact your Standard bank branch<\\/li>\\r\\n<li><strong>First National Bank<\\/strong> -\\u00a0Debt Review centre \\u2013 0860 362 002<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. Avoid getting more Debt. Rather downgrade and change your lifestyle!<\\/p>\\r\\n<p>3.1 <strong>Things you need to cut\\/adjust are:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Domestic worker (unless this is the substitute for cr\\u00e8che)<\\/li>\\r\\n<li>Alcohol<\\/li>\\r\\n<li>Tobacco \\/ cigarettes<\\/li>\\r\\n<li>Entertainment<\\/li>\\r\\n<li>Club membership<\\/li>\\r\\n<li>M-Net, DSTV<\\/li>\\r\\n<li>Holiday clubs<\\/li>\\r\\n<li>Gambling<\\/li>\\r\\n<li>If you are driving an expensive car consider a down grade for a less expensive car. This will reduce your monthly instalment thus enabling you to pay other debts.<\\/li>\\r\\n<li>If you are no longer able to afford the house you live in, consider selling it and getting something more reasonable.<\\/li>\\r\\n<li>Where possible use public transport.<\\/li>\\r\\n<li>Go to your financial advisor and have another look at the insurance contracts that you have. Contact an independent financial advisor. Contact details are available at the FSB at 012 428 8000.You may find that you do not really need some of them.<\\/li>\\r\\n<li>Use any savings you making from your adjustment to pay the most expensive loans such as micro loans followed by your credit card.<\\/li>\\r\\n<\\/ol>\\r\\n<p>4. Look twice for a better price<\\/p>\\r\\n<ul>\\r\\n<li>4.1 When you do your groceries do price comparison across major stores and settle for less. Only buy items that you cannot survive without and look for specials.<\\/li>\\r\\n<li>4.2 No-name brands are usually cheaper and are sometimes of good quality.<\\/li>\\r\\n<li>4.3 Fresh\\/loose vegetables are cheaper than prepared\\/frozen vegetables.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. If you need support and a helping hand<\\/p>\\r\\n<ul>\\r\\n<li>5.1 Contact a debt counsellor, call 0860 627 627 to locate one in your area or log onto www.ncr.org.zaand click on \\u201cregister of registrants\\u201d, then select debt counsellors.<\\/li>\\r\\n<li>5.2 Once you are under debt counselling, you will not be allowed to access credit until you have received a clearance certificate from a debt counsellor.<\\/li>\\r\\n<li>5.3 If and when you receive letters from your creditors do not ignore them, take them seriously, act on them and seek help!!<\\/li>\\r\\n<\\/ul>\\r\\n<p>6. If you are facing repossession seek advice and remember , you have Rights as well !<\\/p>\\r\\n<ul>\\r\\n<li>6.1 According to the National Credit Act you have certain rights when you want to surrender goods to your credit provider;<\\/li>\\r\\n<li>6.2 You also have rights when the credit provider enforces the debt using repossession.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-03-26 11:12:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 12:12:46\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-02-24 12:11:46\",\"publish_up\":\"2019-03-26 11:12:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"26\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(319,37,5,'','2020-02-24 14:40:34',915,565,'ae7f1734f0763178eb091a85e14b3f9b96638b91','{\"id\":37,\"asset_id\":209,\"parent_id\":\"1\",\"lft\":\"69\",\"rgt\":70,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"media Release\",\"alias\":\"media-release\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2020-02-24 14:40:34\",\"modified_user_id\":null,\"modified_time\":\"2020-02-24 14:40:34\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(320,73,1,'','2020-02-24 14:40:54',915,2710,'6923e0708054b428584698331602eb04f17b8f03','{\"id\":73,\"asset_id\":210,\"title\":\"media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2020-02-24 14:40:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 14:40:54\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-02-24 14:40:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(334,29,1,'','2020-03-05 14:25:02',915,3954,'c2c50d79d5fec88157ddf4a5d0109d043e235a90','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/li>\\r\\n<li><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-05 14:25:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-03-05 14:23:00\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"51\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(335,29,1,'','2020-03-05 14:28:02',915,3796,'ae5d215c9ec64090747d7317a21833c6e75eb533','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-05 14:28:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-03-05 14:25:02\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"52\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(341,72,1,'','2020-03-17 12:59:58',915,4043,'d47605aecc18dbdc0045a0991f55f5581e2bf78c','{\"id\":72,\"asset_id\":\"206\",\"title\":\"Disclaimer\",\"alias\":\"disclaimer\",\"introtext\":\"<p><strong>Purpose<\\/strong><\\/p>\\r\\n<p>The purpose of this policy is to show our respect for your privacy It is indicative of our commitment to protect and safeguard customer information and communications from unauthorised intrusions.\\u00a0<\\/p>\\r\\n<p><strong>Privacy policy for all visitors<\\/strong><\\/p>\\r\\n<p>When visiting our website, our system automatically collects and stores the following information:<\\/p>\\r\\n<ul>\\r\\n<li>The internet protocol (IP) address<\\/li>\\r\\n<li>The pages visited<\\/li>\\r\\n<li>The operating system used<\\/li>\\r\\n<li>The date, time and length of visit<\\/li>\\r\\n<li>The type of browser used, such as Netscape or Internet Explorer<\\/li>\\r\\n<\\/ul>\\r\\n<p>This information does not identify visitors personally, and is used to create a website that is more suited to your browsing needs.<\\/p>\\r\\n<p>\\u00a0<strong>How this information is used<\\/strong><\\/p>\\r\\n<p>This information is used to enable The NCR to:<\\/p>\\r\\n<ul>\\r\\n<li>Provide for our subscribers\' preferences<\\/li>\\r\\n<li>Improve current services provided by us.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Security used to protect Information<\\/strong><\\/p>\\r\\n<p>All information is stored in secure databases, and can only be accessed by entering the correct user name and password. Technology and security features have been implemented to safeguard the privacy of all subscribers from unauthorised access or improper use.<\\/p>\\r\\n<p><strong>Access to the Information<\\/strong><\\/p>\\r\\n<p>Personally identifiable information will not be accessed, modified, shared, sold or otherwise disclosed except:<\\/p>\\r\\n<ul>\\r\\n<li>When given permission by the subscriber to do so<\\/li>\\r\\n<li>To enforce agreements with customers and visitors<\\/li>\\r\\n<li>To protect the rights, property or safety of The NCR, its users or others<\\/li>\\r\\n<li>When required to do so by law<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Changes to the Privacy Policy<\\/strong><\\/p>\\r\\n<p>The NCR reserves the right to amend its privacy policy when the need to do so arises. Subscribers will be notified if any substantial changes are made.<\\/p>\\r\\n<p><strong>\\u00a0Consumer Concerns<\\/strong><\\/p>\\r\\n<p>Any queries relating to this privacy policy can be e-mailed to the The NCR Customer Services Department at \\u00a0info@ncr.org.za<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"36\",\"created\":\"2020-02-24 09:25:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-17 12:59:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-03-17 12:59:45\",\"publish_up\":\"2020-02-24 09:25:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"19\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(342,38,5,'','2020-03-23 09:56:27',915,2675,'bcec9c6cd7065c1d7969606700ae0b2f7789d2c9','{\"id\":38,\"asset_id\":211,\"parent_id\":\"17\",\"lft\":\"42\",\"rgt\":43,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Webinars\",\"alias\":\"webinars\",\"note\":\"\",\"description\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR Educational webinar<\\/strong><\\/td>\\r\\n<td><strong>NCR Task team agreements<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars WEB 2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR DHS transfers webinars<\\/strong><\\/td>\\r\\n<td><strong>NCR DC Bonds<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR WEBINAR WEB 3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC BONDS.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>NCR DC Complaince<\\/strong><\\/td>\\r\\n<td><strong>DC Advertising practices<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinar - DC Complaince.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC ADVERTISING PRACTICES.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2020-03-23 09:56:27\",\"modified_user_id\":null,\"modified_time\":\"2020-03-23 09:56:27\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(343,74,1,'','2020-03-23 09:58:22',915,3864,'2d952615b2992185cd75c7695a165c92310697ed','{\"id\":74,\"asset_id\":212,\"title\":\"Webinars\",\"alias\":\"webinars\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR Educational webinar<\\/strong><\\/td>\\r\\n<td><strong>NCR Task team agreements<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars WEB 2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR DHS transfers webinars<\\/strong><\\/td>\\r\\n<td><strong>NCR DC Bonds<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR WEBINAR WEB 3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC BONDS.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>NCR DC Complaince<\\/strong><\\/td>\\r\\n<td><strong>DC Advertising practices<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinar - DC Complaince.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC ADVERTISING PRACTICES.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2020-03-23 09:58:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-23 09:58:22\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-03-23 09:58:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(344,74,1,'','2020-03-23 14:08:49',915,3928,'5a7021c783ae89e767c16c5ea79ce6ed5e5c8a40','{\"id\":74,\"asset_id\":\"212\",\"title\":\"Webinars\",\"alias\":\"webinars\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR Educational webinar<\\/strong><\\/td>\\r\\n<td><strong>NCR Task team agreements<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars WEB 2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR DHS transfers webinars<\\/strong><\\/td>\\r\\n<td><strong>NCR DC Bonds<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR WEBINAR WEB 3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC BONDS.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>NCR DC Complaince<\\/strong><\\/td>\\r\\n<td><strong>DC Advertising practices<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinar - DC Complaince.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC ADVERTISING PRACTICES.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2020-03-23 09:58:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-23 14:08:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-03-23 14:08:37\",\"publish_up\":\"2020-03-23 09:58:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(357,75,1,'','2020-03-24 14:06:50',915,7384,'21aa264932c8015f2135d49622bf6ac781c9d911','{\"id\":75,\"asset_id\":213,\"title\":\"Know your Consumer Rights and be protected\",\"alias\":\"know-your-consumer-rights-and-be-protected\",\"introtext\":\"<p align=\\\"right\\\"><strong>March 2020<\\/strong><\\/p>\\r\\n<p>March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide. The National Credit Regulator (NCR) is one of the consumer protection agencies, which celebrates WCRD and has also adopted the month of March as a consumer rights month. During the month of March, the NCR, intensifies its educational initiatives to advocate key consumer rights and responsibilities and to encourage the credit industry players to comply with the National Credit Act (NCA), says Adv. Kedilatile Legodi, Acting Manager: Education and Communication.<\\/p>\\r\\n<p>The NCR in collaboration with other members of the Consumer Protection Forum (CPF) (CPF is a government voluntary association of consumer protection bodies), will partake in the WCRD celebration on Friday, 13th March 2020 at the East London International Convention Centre in the Eastern Cape under the theme \\u201cFighting Consumer Exploitation.\\u201d<\\/p>\\r\\n<p>This main event will be preceded by a build-up of various events comprising multiple stakeholders. These events will include both compliance monitoring and consumer education and awareness interventions in the Amathole District. In addition to these, the NCR will participate in a number of provincial interactive programmes and undertake awareness programmes using various mediums.<\\/p>\\r\\n<p>This year, the NCR continues to encourage consumers to know their credit rights to make informed credit decisions and speak up when there is a need to do so. Adv. Legodi believes that consumers can only exercise their rights and responsibilities if they are aware of such.<\\/p>\\r\\n<p>The National Credit Act provides for key consumer rights as listed below:<\\/p>\\r\\n<ul>\\r\\n<li>Right to apply for credit \\u2013This application must be made in good faith with truthful disclosure of all information by the consumer. If the application is declined by the credit provider, a consumer has a right to receive reasons why the credit application has been declined;<\\/li>\\r\\n<li>Right to disclosure of information \\u2013 A credit provider must provide a consumer with a pre-agreement statement and quotation before he\\/she can accept and sign the credit agreement;<\\/li>\\r\\n<li>Right to receive documents in official language \\u2013 A consumer has the right to receive any document that is required in terms of the NCA in an official language that the consumer reads or understands, to the extent that is reasonable, having regard to usage, practicality, expense, regional circumstances and the balance of the needs and preferences of the population ordinarily served by the person required to deliver that document;<\\/li>\\r\\n<li>Right to receive information in plain and understandable language \\u2013A credit provider must give the consumer documents that are in plain, simple and understandable language. This means that the contents, meaning and importance of the document must be easy to understand;<\\/li>\\r\\n<li>Right to confidential treatment of personal information \\u2013 This means that the credit provider may only use your information for the purpose for which it was given;<\\/li>\\r\\n<li>Right to access and challenge information held at the credit bureau \\u2013 A Consumer has a right to receive one free credit report once a year from a credit bureau and to challenge any incorrect information;<\\/li>\\r\\n<li>Right to get assistance when over-indebted \\u2013 A consumer has a right to be assisted when struggling to pay debts.<\\/li>\\r\\n<\\/ul>\\r\\n<p>When a need to apply for credit arises, consumers are reminded to only use credit providers registered with the NCR and should never leave their bank cards, SASSA cards, identity documents and bank PIN numbers with credit providers. If consumers fall victim to such a practice, they should approach their local police station to open a case as this is a criminal offence in terms of the NCA. They should also report such cases to the NCR on 0860 627\\u00a0627 or <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a>, adds Legodi.<\\/p>\\r\\n<p>As the NCR continues to raise awareness and educate consumers of their rights and responsibilities, consumers are encouraged to know these rights, use them and be protected, concludes Legodi.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong> <\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<\\/p>\\r\\n<p align=\\\"center\\\">Ntombizodwa Mahlangu<br \\/> (011)\\u00a0 554-2612<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a> <br \\/> Website: www.ncr.org.za<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-03-24 14:06:50\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-24 14:06:50\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-03-24 14:06:50\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(359,76,1,'','2020-03-24 14:13:36',915,5354,'fbe9afa517b6768b82dcbf7b1d6d3f96082afccd','{\"id\":76,\"asset_id\":214,\"title\":\"Avoid panic buying as it may lead to over-indebtedness\",\"alias\":\"avoid-panic-buying-as-it-may-lead-to-over-indebtedness\",\"introtext\":\"<p align=\\\"right\\\"><strong>March 2020<\\/strong><\\/p>\\r\\n<p>Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads. The National Credit Regulator (NCR) is encouraging consumers to exercise caution and restraint when spending in this difficult period, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>Consumers are urged to make responsible financial decisions. Buying under panic and anxiety has the potential for consumers to buy things they do not need and cannot afford. For some consumers to acquire these items, they resort to using credit and this could be detrimental to their overall financial health. It is important for consumers to remember that credit comes at a cost and that the credit acquired has to be repaid, advises Motshegare.<\\/p>\\r\\n<p>Ms Motshegare further advises consumers who may be feeling financially distressed due to the impact of this pandemic to be proactive in addressing their finances and debt. Consumers are advised not to ignore their debts, but to contact their credit providers. Consumers can approach a debt counsellor for further assistance if over-indebted.<\\/p>\\r\\n<p>In light of the recent decrease of the interest rate, consumers should not increase their spending but rather use this opportunity to decrease their current debt and save for emergencies, concludes Motshegare.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong> <br \\/> \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Ntombizodwa Mahlangu<br \\/> (011) 554-2624 \\/ 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-03-24 14:13:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-24 14:13:36\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-03-24 14:13:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(364,63,1,'','2020-07-14 10:12:02',915,9615,'84a4c0b0614aae69de80b72266dfacebcd80262d','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<p>The mandate of the Debt Counselling Department is to monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/p>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><\\/p>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable\\u00a0fees when you apply for debt counselling. <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">Click here to view the fees<\\/a>.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 10:12:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 10:11:17\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"102\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(366,8,1,'','2020-07-14 10:22:15',915,2832,'4b5ca7a8ca44fdb0d1c55f8e8086cd4fe60e84dc','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>The Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act and taking the necessary enforcement action where necessary. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments such as identity documents, bank cards, SASSA cards and bank pins.<\\/p>\\r\\n<h3>Notable Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 10:22:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 10:19:55\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":38,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"282\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(367,8,1,'','2020-07-14 10:23:10',915,2918,'06f6e2170fa50278d4164bc2b5c6c30989e24298','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p><strong>Mandate of the Investigations and Enforcement Department<\\/strong><\\/p>\\r\\n<p>The Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act and taking the necessary enforcement action where necessary. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments such as identity documents, bank cards, SASSA cards and bank pins.<\\/p>\\r\\n<h3>Notable Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 10:23:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 10:22:15\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":39,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"283\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(374,7,1,'','2020-07-14 16:04:35',915,5420,'1fa8c50989795e9b9475d5cb72a07c8e2e96ba4c','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Compliance\",\"alias\":\"compliance\",\"introtext\":\"<p><strong>Mandate of the Credit Provider Compliance Department<\\/strong><\\/p>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h3>Relevant Sections<\\/h3>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h3>Compliance Report (Credit Provider)<\\/h3>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:04:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:04:03\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"103\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(375,7,1,'','2020-07-14 16:04:55',915,5437,'4d7b646d3836dfcb3729a148d8fbf70c1206242c','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<p><strong>Mandate of the Credit Provider Compliance Department<\\/strong><\\/p>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h3>Relevant Sections<\\/h3>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h3>Compliance Report (Credit Provider)<\\/h3>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:04:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:04:35\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"104\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(376,7,1,'','2020-07-14 16:06:04',915,5946,'0e1eaf789fb201ad3cab624986a1952e4538deea','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<p><strong>Mandate of the Credit Provider Compliance Department<\\/strong><\\/p>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h3>Relevant Sections<\\/h3>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h3>Compliance Report (Credit Provider)<\\/h3>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:06:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:04:55\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"105\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(377,7,1,'','2020-07-14 16:07:49',915,5946,'51e975f8a930faccad63563f5a3c0a768e31c1ac','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<p><strong>Mandate of the Credit Provider Compliance Department<\\/strong><\\/p>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Compliance Report (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:07:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:06:04\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"106\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(378,64,1,'','2020-07-14 16:10:13',915,3305,'9107f04b22106e598e7f647b68240de7d1056b8c','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p><strong>Mandate Statistics and Research and Department<\\/strong><\\/p>\\r\\n<p>Statistics and Research Department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrant such as Credit Providers, Credit Bureaus, Debt Counsellors and Credit Life Insurers. Our flagship reports, emanating from the data, are the Consumer Credit Market Report (CCMR) and Credit Bureau Monitor (CBM). These reports are produced on a quarterly basis. The reports are used and quoted extensively by a variety of stakeholders, including media, government, credit providers, industry analysts, investors, researchers and other decision makers.<\\/p>\\r\\n<p>The Department is also responsible for conducting research in line with Sections 13 and 16 of the National Credit Act (NCA). The research requirements also take into account the prevailing trends and market conditions. The department may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Please click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Please click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\\r\\n<p><a href=\\\"..\\/documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\">Please click here to view the Statistical Returns (Form 39)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:10:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:09:51\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"57\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(379,64,1,'','2020-07-14 16:11:03',915,3185,'a0639548a3394c6fbc672541c3d0fe0b39c7bab8','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p><strong>Mandate Statistics and Research and Department<\\/strong><\\/p>\\r\\n<p>Statistics and Research department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrants such as credit providers, credit bureaus, debt counsellors. Our flagship reports emanating from the data are the Consumer Credit Market Report (CCMR) which represents the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act (NCA) and Credit Bureau Monitor (CBM) and is based on data held by registered credit bureaus in terms of the NCA.<\\/p>\\r\\n<p>The department is also responsible for conducting research taking into account the prevailing trends and market conditions in line with Sections 13 and 16 of the NCA and may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Please click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Please click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\\r\\n<p><a href=\\\"..\\/documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\">Please click here to view the Statistical Returns (Form 39)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:11:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:10:13\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(380,63,1,'','2020-07-14 16:39:38',915,9617,'4a221d448cc975f17722bddc0d810128b769c719','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<p>The mandate of the Debt Counselling Department is to monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/p>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<h4><strong>The debt counselling process<\\/strong><\\/h4>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable\\u00a0fees when you apply for debt counselling. <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">Click here to view the fees<\\/a>.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:39:38\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:39:01\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"107\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(388,29,1,'','2020-07-16 09:03:42',915,3950,'48b0e455a6bd8097785de527fb964e6ceea50d78','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-16 09:03:42\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-16 09:02:30\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"62\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(390,79,1,'','2020-07-16 09:49:48',915,5592,'e3bff20a787408fe79a109486f8f38953a2120af','{\"id\":79,\"asset_id\":217,\"title\":\"Be careful of \\u201cfake\\u201d credit provider scams during the covid-19 pandemic\",\"alias\":\"be-careful-of-fake-credit-provider-scams-during-the-covid-19-pandemic\",\"introtext\":\"<p style=\\\"font-weight: 400; text-align: right;\\\"><b><strong>April 2020<\\/strong><\\/b><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The National Credit Regulator (NCR) is warning consumers to be careful of scammers who act as legitimate credit providers preying on vulnerable consumers during this period of COVID-19 pandemic. The impact of this pandemic has unfortunately left many consumers desperate for money and some having to resort to borrowing. On the other hand, criminals have seen the opportunity to exploit the desperate and vulnerable by posing as legitimate registered credit providers and offering loans with a condition of an \\u201cupfront payment\\u201d, says Nomsa Motshegare, CEO of the NCR.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u201cThe NCR has during this period, been receiving queries from consumers about unregistered companies posing as registered credit providers offering them loans via SMS and email\\u201d, says Motshegare. These scammers use the registration details of lawfully registered credit providers, inform consumers that the loan is approved and before the loan is paid out, they demand an \\u201cupfront payment\\u201d from the consumers. Once consumers pay this upfront payment, the scammers will disappear with no trace and no loan will be paid out to the consumer.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">According to the National Credit Act (NCA), an \\u201cupfront payment\\u201d for a loan is unlawful and not allowed, consumers are warned not to fall for this scam and never pay any upfront fee for a loan. Those who have fallen victim to this scam and have paid upfront fees should open criminal cases at their nearest South African Police Service (SAPS), advises Motshegare.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Everyone giving out credit, must be registered with the NCR and apply the rules in the NCA. All registered credit providers\\u2019 details are listed on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>) and consumers are encouraged to check before doing business with anyone offering credit, concludes Motshegare.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>For more information contact:<\\/strong>\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Media Office:\\u00a0<a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Or\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Cell: 064\\u00a0752 3926<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-07-16 09:49:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-16 09:49:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-07-16 09:49:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(391,80,1,'','2020-07-16 09:51:18',915,5338,'225c1b48790f8695455dbf83b71d94040528fa0d','{\"id\":80,\"asset_id\":218,\"title\":\"Consumers advised to use their credit life insurance for relief\",\"alias\":\"consumers-advised-to-use-their-credit-life-insurance-for-relief\",\"introtext\":\"<p style=\\\"font-weight: 400; text-align: right;\\\"><b><strong>April 2020<\\/strong><\\/b><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">As South Africa is battling with the impact of COVID-19 on the economy, many consumers have been left with the inability to earn an income. Some are unemployed whilst others are receiving less income due to reduced working hours. Some credit providers have pronounced interim debt relief measures for consumers who have been hard hit by this pandemic. The National Credit Regulator (NCR) advises consumers that where applicable, they first consider the option of using their credit life insurance benefit as a relief in this difficult period,\\u00a0says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">A credit life insurance is an insurance that a consumer signs up for when applying for credit or a loan and it covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. Motshegare advises that, in the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle\\/pay the consumer\\u2019s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0Many consumers may not be aware that they have credit life insurance in place and that the premium for this insurance is already included in the cost of credit. To check if this insurance is in place, consumers must contact their credit providers and where applicable consider use of this benefit to provide relief, concludes Motshegare.<strong>\\u00a0<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Media Office:\\u00a0<a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Or<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">(011) 554-2624 \\/ 064\\u00a0752 3926<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-07-16 09:51:18\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-16 09:51:18\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-07-16 09:51:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(392,81,1,'','2020-07-16 09:53:06',915,8538,'acf75d9e10a806764b557a00a0caa720d289513d','{\"id\":81,\"asset_id\":219,\"title\":\"Managing debt during COVID-19 times\",\"alias\":\"managing-debt-during-covid-19-times\",\"introtext\":\"<p style=\\\"font-weight: 400; text-align: right;\\\"><strong>July 2020<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">As South Africa is battling with the rapid spread of CODIV-19 and how to stimulate economic activities, many consumers are in financial distress and struggling to repay debts as a result of reduced and complete loss of income. The National Credit Act (NCA) offers various debt relief measures for financially embattled consumers struggling to repay debts and consumers are encouraged to consider these measures where applicable, advises Adv. Kedilatile Legodi, Acting Manager: Education and Communication at the National Credit Regulator (NCR).\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Below are the various NCA debt relief measures to consider:<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Credit Life Insurance<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Credit life insurance is an insurance that a consumer purchases when applying for credit or loan. It covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. In the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle \\/ pay the consumer\\u2019s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers who would like to use this relief measure but battling to get assistance from their credit providers can send a complaint to the National Credit Regulator. However, it is important for consumers to remember that in order to benefit from credit life insurance, all payments regarding the credit life insurance policy must be up to date.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<strong>Debt Counselling \\/ Review<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Debt counselling is a debt relief measure intended to assist over-indebted consumers struggling with debt, through budget advice, negotiation with credit providers for reduced payments, extension of repayment term and restructuring of debt. Debt counselling also offers consumers protection against repossession or legal action by credit providers. Consumers who have been negatively impacted by the effects of the COVID-19 pandemic resulting in reduced income are encouraged to consider this debt relief measure since an income is required to apply for debt counselling. However, before signing up for debt counselling, consumers must ensure that the process is understood in detail and the implications thereof. Debt counselling is offered by the NCR registered debt counsellors who operate nationwide. A list of registered debt counsellors can be found on the NCR website\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>\\u00a0or by contacting the NCR on 0860 627\\u00a0627.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Surrender of goods<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The NCA allows consumers to voluntarily surrender \\/ return goods to credit providers when they can no longer afford to maintain the repayments or can foresee that they will not be able to maintain future payments. In terms of section 127 of the NCA,\\u00a0credit agreements under which goods can be surrendered are instalment agreements, secured loans or leases.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Legodi says that there is a process to be followed, which consumers are encouraged to understand before they give notice to a credit provider to return the goods. The credit provider is required to provide the consumer with a letter setting out the estimated value of the goods, ten (10) business days after the consumer gave notice to surrender or return the goods, whichever is the latest. The consumer may withdraw the notice to surrender within 10 business days after receiving the estimated value letter, if the account is not in arrears. The credit provider will sell the returned goods in an attempt to settle the debt. However, there is no guarantee that the credit provider will sell the goods for what the consumer still owes. If the proceeds from the sale are insufficient to settle the outstanding debt, the consumer will be liable to pay the shortfall after the sale. Consumers are also encouraged to privately sell goods that they can no longer afford to repay in an attempt to obtain the best possible price, advises Legodi.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">For consumers with a need to borrow or loan money, they should do so having considered their ability to repay the debt and only use NCR registered credit providers. Consumers should never enter into any agreement with unregistered credit providers who usually retain bank cards, SASSA cards, identity documents etc. as security and a collection method. The retention of cards or identity documents is prohibited and a criminal offence in terms of the NCA. Consumers are urged to report credit providers who retain these instruments to the South African Police Service and the NCR, concludes Legodi.<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>Ends<\\/strong><strong>\\u00a0<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>For more information contact:<\\/strong>\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Cell: 064\\u00a0752 3926<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Media Office:\\u00a0<a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-07-16 09:53:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-16 09:53:06\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-07-16 09:53:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(395,1,1,'','2020-09-11 15:03:48',915,2613,'1d7a0acf280042b7f6a4f2fb2dce8ff29ce7096a','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator for the South African credit industry by the National Credit Act (34 of 2005) (NCA). It is tasked with consumer education, research, policy development, registration of industry participants, investigation of complaints and enforcement of the NCA.<\\/p>\\r\\n<p>The NCA requires the NCR to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR registers and ensures compliance to the NCA by the following industry participants: credit providers, credit bureaus, debt counsellors, alternative dispute resolution agents and payment distribution agents.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 15:03:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 15:01:41\",\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"6\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(396,49,1,'','2020-09-11 16:02:33',915,3350,'258d4036da65ca5c8d3ea2374ce4de69f438b7e6','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CP\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/REGISTRATION AS A CREDIT PROVIDER.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a credit provider.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:02:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:02:03\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"46\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(397,49,1,'','2020-09-11 16:03:45',915,2409,'0a0eaa18f3972df84c51e2e2c87246e5fb469094','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:03:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:02:33\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(398,54,1,'','2020-09-11 16:11:52',915,2232,'d88a3e7656f4e1ed2b3d9824ffc395f6cd3933e9','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:11:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:11:39\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"20\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(399,50,1,'','2020-09-11 16:14:17',915,2239,'8935e7863bbe0a326815b73df95f7df2b7a2e437','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Debt Counselor<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Annexure_Confirmation_of_payment_of_fees_DC.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:14:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:13:50\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(400,53,1,'','2020-09-11 16:17:28',915,2707,'27b6beae8ab5da60bda1ac984b66e0cb1f5d2388','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"Service Provider SA\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/Service Providers SA.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider SA<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR Scope of Work by Independent Auditors\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/0000 NCR SCOPE OF WORK BY INDEPENDANT AUDITOR.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Scope of Work by Independent Auditors\\u00a0<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:17:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:17:12\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(401,51,1,'','2020-09-11 16:20:22',915,1986,'15cb3efdad20f42eecd14729801c0723d7f4705a','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:20:22\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:20:07\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"27\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(402,41,1,'','2020-09-11 16:48:09',915,5116,'78651426140e87d4afc384a2fa309cf85938eeb0','{\"id\":41,\"asset_id\":\"150\",\"title\":\"How do I register?\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Resolution- PDA.DOC\\\">Resolution<\\/a>.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/PDA\\/List of service providers for criminal clearance certificate.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link)<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R100 000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost<a href=\\\"documents\\/PDA\\/Audit review requirements for PDAs.docx\\\"> (scope of work attached).<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:48:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:47:26\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"24\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(403,40,1,'','2020-09-11 16:50:48',915,12790,'c3e07303215fc72ba49f3cf33b5a87771d72b75c','{\"id\":40,\"asset_id\":\"148\",\"title\":\"How do I register?\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Resolution - ADR.DOC\\\">Resolution<\\/a><\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"..\\/documents\\/ADR\\/List of service providers for criminal clearance certificate.xlsx\\\">attached hereto<\\/a> marked \\u201cA\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20 000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/p>\\r\\n<!--<p>REGISTRATION AS AN ALTERNATIVE DISPUTE RESOLUTION AGENT (ADR)<br \\/> <strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list; and<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a commitment by the National Credit Regulator not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A minimum Grade 12 certificate or equivalent Level 4 qualification issued by the South African Qualifications Authority (SAQA);<\\/li>\\r\\n<li>A three year degree; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Experience and Competence: <\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Must demonstrate the ability to:-<\\/li>\\r\\n<ul>\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013<\\/li>\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"http:\\/\\/www.ncr.org.za\\/pdfs\\/registration\\/Resolution_specimen.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached);<\\/li>\\r\\n<li>A Police Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure attached hereto marked Annexure \\u201c<strong>A<\\/strong>\\u201d;<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:50:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:49:08\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"24\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(408,82,1,'','2020-09-11 18:04:23',915,3984,'a84d5d7ad8f0248d867df4ba6b68f394d81396c3','{\"id\":82,\"asset_id\":220,\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register\",\"introtext\":\"<p style=\\\"font-weight: bold;\\\">Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/p>\\r\\n<ul>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-weight: bold;\\\">Although basic registration of credit providers is under this Act -<\\/p>\\r\\n<ul>\\r\\n<li>The Regulator may impose conditions to address matters relating to the purpose of the Act generally;<\\/li>\\r\\n<li>The Regulator will further consider the application relating to BBBEE and combating over-indebtedness concerns specifically; and<\\/li>\\r\\n<li>A credit provider who intends to enter into developmental credit agreements must apply for supplementary registration, and satisfy the requirements for such registration.<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/5.%20Registration%20(section%2039%20-53).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-11 18:04:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:04:23\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-11 18:04:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(409,82,1,'','2020-09-11 18:04:30',915,4006,'78d8dbfa0a1207558e64032b8a2dd3f571185250','{\"id\":82,\"asset_id\":\"220\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-cp\",\"introtext\":\"<p style=\\\"font-weight: bold;\\\">Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/p>\\r\\n<ul>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-weight: bold;\\\">Although basic registration of credit providers is under this Act -<\\/p>\\r\\n<ul>\\r\\n<li>The Regulator may impose conditions to address matters relating to the purpose of the Act generally;<\\/li>\\r\\n<li>The Regulator will further consider the application relating to BBBEE and combating over-indebtedness concerns specifically; and<\\/li>\\r\\n<li>A credit provider who intends to enter into developmental credit agreements must apply for supplementary registration, and satisfy the requirements for such registration.<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/5.%20Registration%20(section%2039%20-53).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-11 18:04:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:04:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:04:23\",\"publish_up\":\"2020-09-11 18:04:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(410,82,1,'','2020-09-11 18:11:28',915,3992,'47e86fc922ef89ae7c390b291549d0f5089e803b','{\"id\":82,\"asset_id\":\"220\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-cp\",\"introtext\":\"<p style=\\\"font-weight: bold;\\\">Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/p>\\r\\n<ul>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-weight: bold;\\\">Although basic registration of credit providers is under this Act -<\\/p>\\r\\n<ul>\\r\\n<li>The Regulator may impose conditions to address matters relating to the purpose of the Act generally;<\\/li>\\r\\n<li>The Regulator will further consider the application relating to BBBEE and combating over-indebtedness concerns specifically; and<\\/li>\\r\\n<li>A credit provider who intends to enter into developmental credit agreements must apply for supplementary registration, and satisfy the requirements for such registration.<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registration_section_39-53.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-11 18:04:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:11:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:11:18\",\"publish_up\":\"2020-09-11 18:04:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(411,83,1,'','2020-09-11 18:16:05',915,45871,'5e13353f88ce226b42c63ceb622da7bbea266efc','{\"id\":83,\"asset_id\":221,\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of The Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><br \\/> Debt cousellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements. <br \\/><br \\/> <span style=\\\"font-weight: bold; font-size: 9.0pt;\\\">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the <span style=\\\"color: #f00;\\\">National Credit Amendment Act, 19 of 2014<\\/span>:<\\/span> <br \\/> <\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Applicant must<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i) \\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must successfully complete a debt counselling course approved by the National Credit Regulator and provided by an institution approved by the National Credit Regulator;<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">University of Pretoria (Law Clinic) - 012 420 5235<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Damelin - 011 796 2000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Rudo Research \\u00a0 Training - 012 663 3251\\/3120<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Summit Financial Partners - 087 806 1000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Compuscan Academy - 021 888 6000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have a minimum of two years working experience in any of the following fields;<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Protection<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Complaints Resolution<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Advisory Services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Legal or Paralegal Services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Accounting or financial services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Education or training of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Counselling of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">General Business Environment<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">6.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">7.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt collection<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The operation of a credit bureau<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Credit provision<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">8.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills<\\/span><\\/p>\\r\\n<!--<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt cousellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the <\\/span><\\/b><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-bidi-font-family: Helvetica; color: red; mso-ansi-language: EN-GB;\\\">National Credit Amendment Act, 19 of 2014<\\/span><\\/b><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB;\\\">:<\\/span><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Applicant must<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have \\u00a0a grade 12 certificate \\u00a0or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i)\\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must successfully complete a debt counselling course \\u00a0approved by the National Credit Regulator \\u00a0and provided \\u00a0by an institution approved \\u00a0by the National Credit Regulator;<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0420 5015<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Damelin \\u00a0<span style=\\\"mso-tab-count: 2;\\\">\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 <\\/span>\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0011\\u00a0242 3400<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<span style=\\\"mso-spacerun: yes;\\\">\\u00a0\\u00a0 <\\/span>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0663 3251<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Compuscan Academy <span style=\\\"mso-spacerun: yes;\\\">\\u00a0<\\/span>\\u00a0\\u00a0 021\\u00a0888 6048<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Institute of Bankers \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0461 7013<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have \\u00a0a minimum of two years working experience in any of the following \\u00a0fields;<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Protection<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Complaints Resolution<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Advisory Services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Legal or Paralegal Services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Accounting or financial services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Education or training of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Counselling of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">General Business Environment<\\/span><\\/p>\\r\\n\\r\\n\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">6.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">7.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt collection<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The operation of a credit bureau<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Credit provision<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">8.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant\\u2019s credit bureau profile should not reflect significant adverse information. The Following is considered as significant adverse information:<\\/span><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant\\u2018s credit bureau record reflecting Judgments exceeding R20, 000.00<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has 2 or more Judgments in the last 24 months<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has been placed under Administration and or debt review<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The majority of the applicant\\u2019s credit accounts are more than 3 months in arrears<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has 3 or more defaults<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 7.5pt; line-height: 31.5pt;\\\">\\u00a0<\\/p>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2020-09-11 18:16:05\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:16:05\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-11 18:16:05\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0);
INSERT INTO `zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (412,83,1,'','2020-09-11 18:16:12',915,45893,'c32f5931ad8ac8bbf8259dd3b3b7292c686a39f5','{\"id\":83,\"asset_id\":\"221\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-dc\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of The Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><br \\/> Debt cousellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements. <br \\/><br \\/> <span style=\\\"font-weight: bold; font-size: 9.0pt;\\\">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the <span style=\\\"color: #f00;\\\">National Credit Amendment Act, 19 of 2014<\\/span>:<\\/span> <br \\/> <\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Applicant must<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i) \\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must successfully complete a debt counselling course approved by the National Credit Regulator and provided by an institution approved by the National Credit Regulator;<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">University of Pretoria (Law Clinic) - 012 420 5235<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Damelin - 011 796 2000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Rudo Research \\u00a0 Training - 012 663 3251\\/3120<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Summit Financial Partners - 087 806 1000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Compuscan Academy - 021 888 6000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have a minimum of two years working experience in any of the following fields;<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Protection<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Complaints Resolution<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Advisory Services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Legal or Paralegal Services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Accounting or financial services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Education or training of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Counselling of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">General Business Environment<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">6.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">7.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt collection<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The operation of a credit bureau<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Credit provision<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">8.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills<\\/span><\\/p>\\r\\n<!--<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt cousellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the <\\/span><\\/b><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-bidi-font-family: Helvetica; color: red; mso-ansi-language: EN-GB;\\\">National Credit Amendment Act, 19 of 2014<\\/span><\\/b><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB;\\\">:<\\/span><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Applicant must<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have \\u00a0a grade 12 certificate \\u00a0or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i)\\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must successfully complete a debt counselling course \\u00a0approved by the National Credit Regulator \\u00a0and provided \\u00a0by an institution approved \\u00a0by the National Credit Regulator;<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0420 5015<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Damelin \\u00a0<span style=\\\"mso-tab-count: 2;\\\">\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 <\\/span>\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0011\\u00a0242 3400<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<span style=\\\"mso-spacerun: yes;\\\">\\u00a0\\u00a0 <\\/span>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0663 3251<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Compuscan Academy <span style=\\\"mso-spacerun: yes;\\\">\\u00a0<\\/span>\\u00a0\\u00a0 021\\u00a0888 6048<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Institute of Bankers \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0461 7013<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have \\u00a0a minimum of two years working experience in any of the following \\u00a0fields;<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Protection<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Complaints Resolution<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Advisory Services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Legal or Paralegal Services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Accounting or financial services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Education or training of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Counselling of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">General Business Environment<\\/span><\\/p>\\r\\n\\r\\n\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">6.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">7.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt collection<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The operation of a credit bureau<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Credit provision<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">8.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant\\u2019s credit bureau profile should not reflect significant adverse information. The Following is considered as significant adverse information:<\\/span><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant\\u2018s credit bureau record reflecting Judgments exceeding R20, 000.00<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has 2 or more Judgments in the last 24 months<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has been placed under Administration and or debt review<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The majority of the applicant\\u2019s credit accounts are more than 3 months in arrears<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has 3 or more defaults<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 7.5pt; line-height: 31.5pt;\\\">\\u00a0<\\/p>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2020-09-11 18:16:05\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:16:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:16:05\",\"publish_up\":\"2020-09-11 18:16:05\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(413,84,1,'','2020-09-11 18:19:39',915,7256,'9ffdabff54620bde7f64356488bdb38fca0783a1','{\"id\":84,\"asset_id\":222,\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-&gt;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Education:<\\/strong> The applicant or a person appointed to deal with disputes must meet the following requirements -\\r\\n<ol type=\\\"i\\\">\\r\\n<li>(three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ol type=\\\"i\\\">\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ol type=\\\"i\\\">]\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2020-09-11 18:19:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:19:39\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-11 18:19:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(414,84,1,'','2020-09-11 18:19:48',915,7279,'64afc745cc113f32f4363a8e0b48cc009a8d55f0','{\"id\":84,\"asset_id\":\"222\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-&gt;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Education:<\\/strong> The applicant or a person appointed to deal with disputes must meet the following requirements -\\r\\n<ol type=\\\"i\\\">\\r\\n<li>(three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ol type=\\\"i\\\">\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ol type=\\\"i\\\">]\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2020-09-11 18:19:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:19:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:19:39\",\"publish_up\":\"2020-09-11 18:19:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(415,85,1,'','2020-09-11 18:22:28',915,5370,'d706a0a2756c60a86d02a9a5c42348bfa86eedd4','{\"id\":85,\"asset_id\":223,\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong>Education<\\/strong><\\/p>\\r\\n<p>(i) maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/p>\\r\\n<p>(ii) completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/p>\\r\\n<p>(iii) the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/p>\\r\\n<p><strong>(b) Experience<\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<p>(i) responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/p>\\r\\n<p>(ii) who is a person with good record of managing the finances of the company.<\\/p>\\r\\n<p><strong>(c) Competence<\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<p>(i) have sufficient human, financial, and operational resources to carry out the functions of PDA efficiently and effectively;<\\/p>\\r\\n<p>(ii) put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/p>\\r\\n<p>(iii) comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/p>\\r\\n<p>(iv) be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/p>\\r\\n<p>(v) be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/p>\\r\\n<p>(vi) have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/p>\\r\\n<p>(vii) have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/p>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2020-09-11 18:22:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:22:28\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-11 18:22:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(416,85,1,'','2020-09-11 18:22:36',915,5393,'8e895cc7d9ea1b69108491fc50f1e33db3c68a71','{\"id\":85,\"asset_id\":\"223\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong>Education<\\/strong><\\/p>\\r\\n<p>(i) maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/p>\\r\\n<p>(ii) completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/p>\\r\\n<p>(iii) the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/p>\\r\\n<p><strong>(b) Experience<\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<p>(i) responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/p>\\r\\n<p>(ii) who is a person with good record of managing the finances of the company.<\\/p>\\r\\n<p><strong>(c) Competence<\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<p>(i) have sufficient human, financial, and operational resources to carry out the functions of PDA efficiently and effectively;<\\/p>\\r\\n<p>(ii) put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/p>\\r\\n<p>(iii) comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/p>\\r\\n<p>(iv) be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/p>\\r\\n<p>(v) be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/p>\\r\\n<p>(vi) have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/p>\\r\\n<p>(vii) have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/p>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2020-09-11 18:22:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:22:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:22:28\",\"publish_up\":\"2020-09-11 18:22:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(417,86,1,'','2020-09-11 18:26:48',915,4058,'9c9ce7455447d6616297d8b1fe044a029c5814c1','{\"id\":86,\"asset_id\":224,\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the relevant sections of the Act;<\\/li>\\r\\n<li>For further information, refer to the relevant sections of the Regulations.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of consumers or credit providers are treated equitably and consistently in a timely, efficient and courteous manner, or presents to the NCR a credible plan to acquire or develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is\\r\\n<ol type=\\\"i\\\">\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-11 18:26:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:26:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-11 18:26:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(418,86,1,'','2020-09-11 18:26:54',915,4080,'cb65933fb9a6528ed3f593966c2ce1148349495e','{\"id\":86,\"asset_id\":\"224\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-cb\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the relevant sections of the Act;<\\/li>\\r\\n<li>For further information, refer to the relevant sections of the Regulations.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of consumers or credit providers are treated equitably and consistently in a timely, efficient and courteous manner, or presents to the NCR a credible plan to acquire or develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is\\r\\n<ol type=\\\"i\\\">\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-11 18:26:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:26:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:26:48\",\"publish_up\":\"2020-09-11 18:26:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(423,41,1,'','2020-09-12 10:58:57',915,8717,'f56d349ecf7a78a5640beba14b8a158dec74b4d9','{\"id\":41,\"asset_id\":\"150\",\"title\":\"How do I register?\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Resolution- PDA.DOC\\\">Resolution<\\/a>.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/PDA\\/List of service providers for criminal clearance certificate.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link)<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R100 000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost<a href=\\\"documents\\/PDA\\/Audit review requirements for PDAs.docx\\\"> (scope of work attached).<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/strong><\\/p>\\r\\n<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong>Education<\\/strong><\\/p>\\r\\n<p>(i) maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/p>\\r\\n<p>(ii) completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/p>\\r\\n<p>(iii) the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/p>\\r\\n<p><strong>(b) Experience<\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<p>(i) responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/p>\\r\\n<p>(ii) who is a person with good record of managing the finances of the company.<\\/p>\\r\\n<p><strong>(c) Competence<\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<p>(i) have sufficient human, financial, and operational resources to carry out the functions of PDA efficiently and effectively;<\\/p>\\r\\n<p>(ii) put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/p>\\r\\n<p>(iii) comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/p>\\r\\n<p>(iv) be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/p>\\r\\n<p>(v) be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/p>\\r\\n<p>(vi) have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/p>\\r\\n<p>(vii) have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/p>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 10:58:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 10:58:44\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"26\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(425,52,1,'','2020-09-12 11:11:44',915,3078,'2a8634dfb14cc45ff0af6510d2aec741555cee84','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<p><a href=\\\"...\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/p>\\r\\n<!--<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Directors Resolution - Resellers - Annexure A.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Directors Resolution - Resellers - Annexure A<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 11:11:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 11:11:07\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"20\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(426,52,1,'','2020-09-12 11:12:13',915,3077,'9cde5e053ea85aa922c3a96492d9a34e2304cb3f','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<p><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/p>\\r\\n<!--<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Directors Resolution - Resellers - Annexure A.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Directors Resolution - Resellers - Annexure A<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 11:12:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 11:11:44\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"21\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(427,52,1,'','2020-09-12 11:13:00',915,3097,'5d0c49d53876b8d4a7babf2dccfd94f8394b45c6','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<!--<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Directors Resolution - Resellers - Annexure A.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Directors Resolution - Resellers - Annexure A<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 11:13:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 11:12:13\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"23\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(429,41,1,'','2020-09-12 11:17:16',915,8756,'e905ff662f3a7a28264aac2da584295443639b1c','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/PDA\\/Resolution- PDA.DOC\\\">Resolution<\\/a>.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"..\\/documents\\/PDA\\/List of service providers for criminal clearance certificate.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link)<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R100 000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost<a href=\\\"..\\/documents\\/PDA\\/Audit review requirements for PDAs.docx\\\"> (scope of work attached).<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/strong><\\/p>\\r\\n<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong>Education<\\/strong><\\/p>\\r\\n<p>(i) maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/p>\\r\\n<p>(ii) completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/p>\\r\\n<p>(iii) the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/p>\\r\\n<p><strong>(b) Experience<\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<p>(i) responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/p>\\r\\n<p>(ii) who is a person with good record of managing the finances of the company.<\\/p>\\r\\n<p><strong>(c) Competence<\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<p>(i) have sufficient human, financial, and operational resources to carry out the functions of PDA efficiently and effectively;<\\/p>\\r\\n<p>(ii) put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/p>\\r\\n<p>(iii) comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/p>\\r\\n<p>(iv) be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/p>\\r\\n<p>(v) be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/p>\\r\\n<p>(vi) have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/p>\\r\\n<p>(vii) have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/p>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 11:17:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 11:15:39\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(430,40,1,'','2020-09-12 11:20:05',915,18314,'c3d47b0f025e21e3b986daceafe257d88f63bf73','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative dispute resolution agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Resolution - ADR.DOC\\\">Resolution<\\/a><\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"..\\/documents\\/ADR\\/List of service providers for criminal clearance certificate.xlsx\\\">attached hereto<\\/a> marked \\u201cA\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20 000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-&gt;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Education:<\\/strong> The applicant or a person appointed to deal with disputes must meet the following requirements -\\r\\n<ol type=\\\"i\\\">\\r\\n<li>(three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ol type=\\\"i\\\">\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ol type=\\\"i\\\">]\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<!--<p>REGISTRATION AS AN ALTERNATIVE DISPUTE RESOLUTION AGENT (ADR)<br \\/> <strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list; and<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a commitment by the National Credit Regulator not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A minimum Grade 12 certificate or equivalent Level 4 qualification issued by the South African Qualifications Authority (SAQA);<\\/li>\\r\\n<li>A three year degree; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Experience and Competence: <\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Must demonstrate the ability to:-<\\/li>\\r\\n<ul>\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013<\\/li>\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"http:\\/\\/www.ncr.org.za\\/pdfs\\/registration\\/Resolution_specimen.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached);<\\/li>\\r\\n<li>A Police Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure attached hereto marked Annexure \\u201c<strong>A<\\/strong>\\u201d;<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 11:20:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 11:19:23\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"25\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(443,87,1,'','2020-09-12 13:50:05',915,3690,'c3de58130a8262175064f2056577063da4e5643e','{\"id\":87,\"asset_id\":225,\"title\":\"Media statement - Regulatory proposals on payroll deductions\",\"alias\":\"media-statement-regulatory-proposals-on-payroll-deductions\",\"introtext\":\"<p>The South African Payroll Association (SAPA) is conducting a survey on behalf of the National Treasury, South African Reserve Bank, Financial Sector Conduct Authority, National Credit Regulator, Department of Public Service and Administration, Department of Trade, Industry and Competition, and the Department of Employment and Labour to obtain insights into South Africa\\u2019s payroll deductions landscape. The survey results will assist to accelerate the process of finalising an informed, robust and comprehensive regulatory position on payroll deductions in South Africa.<\\/p>\\r\\n<p>This follows the publishing of a paper in March 2018 titled \\u2018Joint Consultation Paper: Regulatory proposals on payroll deductions\\u2019 and subsequent consultation process. The regulatory proposals explored in the consultation paper seek to achieve a safe and efficient payroll deduction system that works in the interests of employees.<\\/p>\\r\\n<p>To participate in the survey, please use the following link:\\u00a0<a href=\\\"https:\\/\\/www.tfaforms.com\\/4728106\\\">https:\\/\\/www.tfaforms.com\\/4728106<\\/a><\\/p>\\r\\n<p>\\u00a0An explanatory note regarding the survey can be found here:<\\/p>\\r\\n<p><a href=\\\"https:\\/\\/protect-za.mimecast.com\\/s\\/ZCeVCY6xlmH3XpyoT06dTE?domain=sapayroll.co.za\\\">http:\\/\\/www.sapayroll.co.za\\/Portals\\/2\\/Documents\\/Payroll-Survey-Explanatory-Note2020.pdf<\\/a><\\/p>\\r\\n<p><strong>Issued by: National Treasury, South African Reserve Bank, Financial Sector Conduct Authority,<\\/strong>\\u00a0<strong>National Credit Regulator, Department of Public Service and Administration, Department of Trade, Industry and Competition, and the Department of Employment and Labour<\\/strong><\\/p>\\r\\n<p><strong>\\u00a0<\\/strong><strong>Date:\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<\\/strong>18 August 2020<strong>\\u00a0 \\u00a0\\u00a0<\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-09-12 13:50:05\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 13:50:05\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-12 13:50:05\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(444,87,1,'','2020-09-12 13:51:18',915,3709,'4faca60d47628525cdb1e6f42599f95c2d9e6961','{\"id\":87,\"asset_id\":\"225\",\"title\":\"Media statement - Regulatory proposals on payroll deductions\",\"alias\":\"media-statement-regulatory-proposals-on-payroll-deductions\",\"introtext\":\"<p>The South African Payroll Association (SAPA) is conducting a survey on behalf of the National Treasury, South African Reserve Bank, Financial Sector Conduct Authority, National Credit Regulator, Department of Public Service and Administration, Department of Trade, Industry and Competition, and the Department of Employment and Labour to obtain insights into South Africa\\u2019s payroll deductions landscape. The survey results will assist to accelerate the process of finalising an informed, robust and comprehensive regulatory position on payroll deductions in South Africa.<\\/p>\\r\\n<p>This follows the publishing of a paper in March 2018 titled \\u2018Joint Consultation Paper: Regulatory proposals on payroll deductions\\u2019 and subsequent consultation process. The regulatory proposals explored in the consultation paper seek to achieve a safe and efficient payroll deduction system that works in the interests of employees.<\\/p>\\r\\n<p>To participate in the survey, please use the following link:\\u00a0<a href=\\\"https:\\/\\/www.tfaforms.com\\/4728106\\\">https:\\/\\/www.tfaforms.com\\/4728106<\\/a><\\/p>\\r\\n<p>\\u00a0An explanatory note regarding the survey can be found here:<\\/p>\\r\\n<p><a href=\\\"https:\\/\\/protect-za.mimecast.com\\/s\\/ZCeVCY6xlmH3XpyoT06dTE?domain=sapayroll.co.za\\\">http:\\/\\/www.sapayroll.co.za\\/Portals\\/2\\/Documents\\/Payroll-Survey-Explanatory-Note2020.pdf<\\/a><\\/p>\\r\\n<p><strong>Issued by: National Treasury, South African Reserve Bank, Financial Sector Conduct Authority,<\\/strong>\\u00a0<strong>National Credit Regulator, Department of Public Service and Administration, Department of Trade, Industry and Competition, and the Department of Employment and Labour<\\/strong><\\/p>\\r\\n<p><strong>\\u00a0<\\/strong><strong>Date:\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<\\/strong>18 August 2020<strong>\\u00a0 \\u00a0\\u00a0<\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-08-18 13:50:05\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 13:51:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 13:50:05\",\"publish_up\":\"2020-08-18 13:50:05\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(445,88,1,'','2020-09-12 13:52:26',915,9364,'ffa2288ee9d03ec6571c2df64fe967533f2dd075','{\"id\":88,\"asset_id\":226,\"title\":\"Debt counselling provides hope for those in need\",\"alias\":\"debt-counselling-provides-hope-for-those-in-need\",\"introtext\":\"<p align=\\\"right\\\"><strong>August 2020<\\/strong><\\/p>\\r\\n<p>Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>In 2007, debt counselling was introduced in the National Credit Act (NCA) as a debt relief measure intended to assist over-indebted consumers struggling to repay their debts through the restructuring of their debts and making repayments manageable. Furthermore, the process of debt counselling leads to rehabilitation as it presents consumers with an opportunity to start afresh and build a clean credit record.<\\/p>\\r\\n<p><strong>What are some of the benefits of debt counselling?<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>It provides an opportunity to repay debts without borrowing more money or taking on extra debt.<\\/li>\\r\\n<li>If you apply before credit providers institute legal action to enforce the debt, you receive protection against such legal action and repossession of your assets.<\\/li>\\r\\n<li>If you continue making repayments whilst under debt counselling, you will still be protected from repossession of your assets until all your debts are paid up.<\\/li>\\r\\n<li>Essential\\/living expenses such as groceries, school fees and others are taken into account before a determination of how much is available to offer towards your debts.<\\/li>\\r\\n<li>A registered debt counsellor negotiates reduced repayments on behalf of the consumer, using the consumer\\u2019s existing income.<\\/li>\\r\\n<li>The restructuring of debts will be approved by a Magistrate Court or the National Consumer Tribunal and this provides assurance that the negotiated and restructured repayment terms are fixed for the duration that you are under debt counselling.<\\/li>\\r\\n<li>There is no limit in terms of the amount of debt that can be placed under debt counselling, as long as legal action is not taken, the consumer debt can be included under debt counselling.<\\/li>\\r\\n<li>There is no timeframe for a consumer to be under debt counselling as the term is dependent on the consumer\\u2019s financial circumstances such as debt, income, living expenses and others.<\\/li>\\r\\n<li>If all your short term debt is paid in full and the only remaining debt is a home loan, if this home loan is up to date in terms of the debt counselling re-arrangement agreement, you will be issued with a clearance certificate and all credit information of accounts which were under debt counselling will be expunged from your credit profile\\/record at the credit bureau. This means you can start afresh and tap into the credit market on a clean slate.<\\/li>\\r\\n<li>You have the option of making a single payment through the use of the Payment Distribution Agents (PDAs) registered with the NCR. PDAs have a mandate to collect and distribute debt counselling funds on behalf of consumers to credit providers. This option provides convenience for the consumer. \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>Whilst it may be difficult for many to confront their financial hardship, consumers who are receiving income are encouraged to act immediately by considering debt counselling as a debt relief measure and to do so before their assets such as houses, cars and others are repossessed by credit providers, urges Legodi.<\\/p>\\r\\n<p><strong><em>Below are some of the things that consumer take further note of if considering debt counselling:<\\/em><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is often times referred to as debt review;<\\/li>\\r\\n<li>To apply for debt counselling, a consumer must have an income;<\\/li>\\r\\n<li>You cannot go under debt counselling if you are still under debt administration;<\\/li>\\r\\n<li>Once you apply for debt counselling, you will not get any further credit and your name will be flagged at the credit bureaus. This is not a listing, but an indicator that you have applied for debt counselling;<\\/li>\\r\\n<li>Debt counselling is offered by NCR registered debt counsellors and you can verify their registration status with the NCR by visiting the NCR\\u2019s website on\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>\\u00a0or calling on 0860 627\\u00a0627;<\\/li>\\r\\n<li>Debt counselling is not offered for free. The debt counselling related costs should be explained to consumers upfront by the debt counsellor and these fees \\u00a0can be confirmed on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>) under guidelines;<\\/li>\\r\\n<li>Where a court order has been granted, consumers can only exit debt counselling upon receipt of a clearance certificate from their debt counsellor;<\\/li>\\r\\n<li>Use a debt counsellor that is close to where you live or work for easy access. This will enable you to physically visit the debt counsellor\\u2019s office should the need arise;<\\/li>\\r\\n<li>Consumers married in community of property, have to bring a joint debt counselling application and cannot apply individually;<\\/li>\\r\\n<li>The impact of making reduced payment will result in the extension of the initial repayment term.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Legodi stresses that consumers should ensure that they receive a comprehensive explanation from the debt counsellor and understand the debt counselling process before they sign and accept the application. Furthermore, they must have knowledge of who their debt counsellor is (i.e. name and NCR registration number), what the consequences of being under debt counselling is, how their debt is going to be restructured, the related costs, what their rights and obligations are under debt counselling so that they can be able to make informed decisions, stay informed to proactively address any concerns or anomalies they notice.<\\/p>\\r\\n<p>The NCR was established, amongst others to ensure compliance with the NCA, receive and investigate complaints. If consumers are unhappy with the service provided by debt counsellors, credit providers, credit bureaus or PDAs, they are invited to \\u00a0lodge a complaint with the NCR at\\u00a0<span id=\\\"cloak51729\\\"><a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/span>; concludes Legodi.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong>\\u00a0\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Ntombizodwa Mahlangu<br \\/> E-mail:\\u00a0<span id=\\\"cloak68269\\\"><a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><\\/span><br \\/> Cell: 064\\u00a0752 3926<br \\/> Media Office:\\u00a0<span id=\\\"cloak90088\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><br \\/> Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-09-12 13:52:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 13:52:26\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-08-26 15:52:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(446,88,1,'','2020-09-12 13:52:35',915,9383,'6d3e90be7da09ae9b3b59d4b976a58eba21926a1','{\"id\":88,\"asset_id\":\"226\",\"title\":\"Debt counselling provides hope for those in need\",\"alias\":\"debt-counselling-provides-hope-for-those-in-need\",\"introtext\":\"<p align=\\\"right\\\"><strong>August 2020<\\/strong><\\/p>\\r\\n<p>Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>In 2007, debt counselling was introduced in the National Credit Act (NCA) as a debt relief measure intended to assist over-indebted consumers struggling to repay their debts through the restructuring of their debts and making repayments manageable. Furthermore, the process of debt counselling leads to rehabilitation as it presents consumers with an opportunity to start afresh and build a clean credit record.<\\/p>\\r\\n<p><strong>What are some of the benefits of debt counselling?<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>It provides an opportunity to repay debts without borrowing more money or taking on extra debt.<\\/li>\\r\\n<li>If you apply before credit providers institute legal action to enforce the debt, you receive protection against such legal action and repossession of your assets.<\\/li>\\r\\n<li>If you continue making repayments whilst under debt counselling, you will still be protected from repossession of your assets until all your debts are paid up.<\\/li>\\r\\n<li>Essential\\/living expenses such as groceries, school fees and others are taken into account before a determination of how much is available to offer towards your debts.<\\/li>\\r\\n<li>A registered debt counsellor negotiates reduced repayments on behalf of the consumer, using the consumer\\u2019s existing income.<\\/li>\\r\\n<li>The restructuring of debts will be approved by a Magistrate Court or the National Consumer Tribunal and this provides assurance that the negotiated and restructured repayment terms are fixed for the duration that you are under debt counselling.<\\/li>\\r\\n<li>There is no limit in terms of the amount of debt that can be placed under debt counselling, as long as legal action is not taken, the consumer debt can be included under debt counselling.<\\/li>\\r\\n<li>There is no timeframe for a consumer to be under debt counselling as the term is dependent on the consumer\\u2019s financial circumstances such as debt, income, living expenses and others.<\\/li>\\r\\n<li>If all your short term debt is paid in full and the only remaining debt is a home loan, if this home loan is up to date in terms of the debt counselling re-arrangement agreement, you will be issued with a clearance certificate and all credit information of accounts which were under debt counselling will be expunged from your credit profile\\/record at the credit bureau. This means you can start afresh and tap into the credit market on a clean slate.<\\/li>\\r\\n<li>You have the option of making a single payment through the use of the Payment Distribution Agents (PDAs) registered with the NCR. PDAs have a mandate to collect and distribute debt counselling funds on behalf of consumers to credit providers. This option provides convenience for the consumer. \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>Whilst it may be difficult for many to confront their financial hardship, consumers who are receiving income are encouraged to act immediately by considering debt counselling as a debt relief measure and to do so before their assets such as houses, cars and others are repossessed by credit providers, urges Legodi.<\\/p>\\r\\n<p><strong><em>Below are some of the things that consumer take further note of if considering debt counselling:<\\/em><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is often times referred to as debt review;<\\/li>\\r\\n<li>To apply for debt counselling, a consumer must have an income;<\\/li>\\r\\n<li>You cannot go under debt counselling if you are still under debt administration;<\\/li>\\r\\n<li>Once you apply for debt counselling, you will not get any further credit and your name will be flagged at the credit bureaus. This is not a listing, but an indicator that you have applied for debt counselling;<\\/li>\\r\\n<li>Debt counselling is offered by NCR registered debt counsellors and you can verify their registration status with the NCR by visiting the NCR\\u2019s website on\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>\\u00a0or calling on 0860 627\\u00a0627;<\\/li>\\r\\n<li>Debt counselling is not offered for free. The debt counselling related costs should be explained to consumers upfront by the debt counsellor and these fees \\u00a0can be confirmed on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>) under guidelines;<\\/li>\\r\\n<li>Where a court order has been granted, consumers can only exit debt counselling upon receipt of a clearance certificate from their debt counsellor;<\\/li>\\r\\n<li>Use a debt counsellor that is close to where you live or work for easy access. This will enable you to physically visit the debt counsellor\\u2019s office should the need arise;<\\/li>\\r\\n<li>Consumers married in community of property, have to bring a joint debt counselling application and cannot apply individually;<\\/li>\\r\\n<li>The impact of making reduced payment will result in the extension of the initial repayment term.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Legodi stresses that consumers should ensure that they receive a comprehensive explanation from the debt counsellor and understand the debt counselling process before they sign and accept the application. Furthermore, they must have knowledge of who their debt counsellor is (i.e. name and NCR registration number), what the consequences of being under debt counselling is, how their debt is going to be restructured, the related costs, what their rights and obligations are under debt counselling so that they can be able to make informed decisions, stay informed to proactively address any concerns or anomalies they notice.<\\/p>\\r\\n<p>The NCR was established, amongst others to ensure compliance with the NCA, receive and investigate complaints. If consumers are unhappy with the service provided by debt counsellors, credit providers, credit bureaus or PDAs, they are invited to \\u00a0lodge a complaint with the NCR at\\u00a0<span id=\\\"cloak51729\\\"><a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/span>; concludes Legodi.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong>\\u00a0\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Ntombizodwa Mahlangu<br \\/> E-mail:\\u00a0<span id=\\\"cloak68269\\\"><a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><\\/span><br \\/> Cell: 064\\u00a0752 3926<br \\/> Media Office:\\u00a0<span id=\\\"cloak90088\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><br \\/> Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-08-26 13:52:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 13:52:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 13:52:26\",\"publish_up\":\"2020-08-26 15:52:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(451,89,1,'','2020-09-12 14:11:42',915,2480,'dcda4662f5fe401c927cfe3a6d372b8954bdf416','{\"id\":89,\"asset_id\":227,\"title\":\"Who can complain to us?\",\"alias\":\"who-can-complain-to-us\",\"introtext\":\"<p>Any ordinary consumer may lodge a complaint against any institution offering credit, against a debt counsellor and a credit bureau provided the NCR has jurisdiction. Only persons with a power of attorney may lodge complaints on behalf of another person.\\u00a0<\\/p>\\r\\n<p>Juristic (trust, companies etc) may lodge a complaint if the person making the complaint is authorised to do so and the annual turnover of the business or group of businesses is less than R1 000 000, or if the agreement in question is less than R 250 000.00\\u00a0<\\/p>\\r\\n<p>Consumers are encouraged to first lodge a complaint with the respective credit providers, debt counsellors or credit bureau before escalating to the NCR<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:11:42\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 14:11:42\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-12 14:11:42\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(452,90,1,'','2020-09-12 14:12:24',915,3097,'009a2c0a9da5d0ffe535d17cf63cdf4511bb3c63','{\"id\":90,\"asset_id\":228,\"title\":\"Complaints we can handle\",\"alias\":\"complaints-we-can-handle\",\"introtext\":\"<p><strong>The NCR can assist you if your complaint relates to:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>a credit agreement and its contents e.g. interest, initiation fee etc<\\/li>\\r\\n<li>arose after the implementation of the NCA (1 June 2007);<\\/li>\\r\\n<li>a debt counsellors and credit providers;<\\/li>\\r\\n<li>the credit bureau, provided you have first lodged a dispute with the credit bureau,( who has 20 working days to investigate) and you are not satisfied with their decision;<\\/li>\\r\\n<li>over-deductions\\/ overcharging<\\/li>\\r\\n<li>refusal to issue statements;<\\/li>\\r\\n<li>disputed settlement amounts<\\/li>\\r\\n<li>refusal to cancel during the cooling off period which is 5 days;\\u00a0<\\/li>\\r\\n<li>reckless lending<\\/li>\\r\\n<li>non-adherence to section 127 &amp; 129, Taking legal action or repossessing without following the prescribed steps<\\/li>\\r\\n<li>PDA not distributing monies<\\/li>\\r\\n<li>Unprofessional conduct by the debt counsellor<\\/li>\\r\\n<li>Creditors taking legal action whilst under debt review<\\/li>\\r\\n<li>Accounts not restructured in accordance with the debt review court order.<\\/li>\\r\\n<li>Creditors terminating debt review<\\/li>\\r\\n<li>Creditors listing consumers while on debt review;<\\/li>\\r\\n<li>Debt counsellors not contactable<\\/li>\\r\\n<li>Overcharging by debt counsellors\\u00a0<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 14:12:24\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-12 14:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(453,91,1,'','2020-09-12 14:13:24',915,2675,'0fac0bcb1c2785827e5df0222d02d08374bc7184','{\"id\":91,\"asset_id\":229,\"title\":\"Complaints that fall outside the NCR\\u2019s mandate\",\"alias\":\"complaints-that-fall-outside-the-ncr-s-mandate\",\"introtext\":\"<p><strong>We cannot assist if your complaint involves:\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Service agreements, e.g. Vodacom, MTN, \\u00a0Levies, Municipal accounts, gym etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process;<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators;<\\/li>\\r\\n<li>Debts \\u00a0collected by debt collectors, these should first be addressed to the Council for Debt Collectors;\\u00a0<\\/li>\\r\\n<li>Complaints relating to damaged goods, these should be sent to the National Consumer Commission or Motor \\u00a0Vehicle Ombudsman for vehicles;\\u00a0<\\/li>\\r\\n<li>Debit orders going off on the wrong dates;\\u00a0<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:13:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 14:13:24\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-12 14:13:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(458,92,1,'','2020-09-12 15:23:01',915,19311,'06ecdb9a1d8c5159981c3f941efa56d446bfca00','{\"id\":92,\"asset_id\":230,\"title\":\"Frequently asked questions \",\"alias\":\"frequently-asked-questions\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p align=\\\"center\\\"><strong>QUESTION<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p align=\\\"center\\\"><strong>ANSWER<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Who can lodge a complaint with the NCR<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership)\\u201d<\\/p>\\r\\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer\\u2019s written consent.<\\/p>\\r\\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Are there limitations that apply to complaints<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Types of complaints the NCR assist with?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Cost of credit e.g. overcharging of interest, initiation fee, service fee, etc.<\\/li>\\r\\n<li>Complaint relating to the conduct of a debt counsellor or lack thereof;<\\/li>\\r\\n<li>Credit related dispute against any credit provider;<\\/li>\\r\\n<li>Complaints against credit bureaus, on condition that the issue was brought to the attention of the bureau prior to lodging a complaint with the NCR;<\\/li>\\r\\n<li>Failure and\\/or refusal to issue statements or other documents relating to an existing credit agreement;<\\/li>\\r\\n<li>Failure and\\/or refusal by a debt counsellor to issue a clearance certificate;<\\/li>\\r\\n<li>Refusal by a credit provider to cancel an agreement during the cooling off period which is 5 days;\\u00a0<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Non-adherence to section 127 &amp; 129 of the NCA by credit providers (taking legal action and repossessing assets without following the prescribed steps);<\\/li>\\r\\n<li>Non distribution of funds by a Payment Distribution Agency and\\/or debt counsellor;<\\/li>\\r\\n<li>Creditors taking legal action whilst the consumer is under debt review;<\\/li>\\r\\n<li>Creditor\\u2019s failure to restructure accounts in accordance with the debt review court order.<\\/li>\\r\\n<li>Unlawful termination of accounts by creditors;<\\/li>\\r\\n<li>Overcharging of fees by debt counsellors;<\\/li>\\r\\n<li>Debt counsellor\\u2019s failure to obtain a debt review court order;<\\/li>\\r\\n<li>In-duplum-non-adherence to section 103(5) of the Act;<\\/li>\\r\\n<li>Creditor collecting on a prescribed debt;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Complaints that fall outside the NCR\\u2019s mandate:<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Service agreements, e.g. Vodacom, MTN, Levies, Municipal accounts, gym subscription fees etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process;<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators;<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is reckless lending?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment; that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.<\\/p>\\r\\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.<\\/p>\\r\\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is prescribed debt and what prevents a debt from prescribing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.<\\/p>\\r\\n<p>The following prevents a debt from prescribing:<\\/p>\\r\\n<ul>\\r\\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his\\/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt; or<\\/li>\\r\\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is credit life insurance<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.<\\/p>\\r\\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.<\\/p>\\r\\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What are the charges that a credit provider can charge me for borrowing money?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).<\\/p>\\r\\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.<\\/p>\\r\\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement; delivery, installation and initial fuelling charges; connection fees, levies or charges; taxes, licence or registration fees.<\\/p>\\r\\n<p>The above costs are referred to as the cost of credit in the National Credit Act.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is in duplum<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is set-off<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.<\\/p>\\r\\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Why are my outstanding balancing increasing or not decreasing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don\\u2019t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.<\\/p>\\r\\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is the difference between repossession and voluntary surrender<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.<\\/p>\\r\\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider\\u2019s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for a loan and was told that my application is declined because I\\u2019m under debt review. I do not know who listed me, what do I do?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>How do I know that the credit provider that I want to deal with is legit?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may check the registration details of a credit provider by searching for it on our website under \\u201ccredit providers\\u201d or you may call 0860 627\\u00a0627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I\\u2019m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you are not satisfied with your debt counsellor\\u2019s service, you can transfer to another registered debt counselor of your choice.\\u00a0 A list of registered debt counsellors can be found on our website under \\u201cDebt Counsellor\\u201d.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have received a 17.W from my debt counsellor but I still can\\u2019t get credit, I\\u2019m told I am under debt review.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. You may also access the complaint initiation form on our website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Some credit providers have provided relief to their consumers\\/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I want to apply for credit life insurance but I\\u2019m not sure how to go about it. I\\u2019m not receiving a salary because of the current pandemic.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I was financed by NSFAS more than 3 years ago. I\\u2019m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20\\u00a0000.00 and NSFAS is not aware that you have been earning R20\\u00a0000.00, the debt has not prescribed.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 15:23:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 15:23:01\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-12 15:23:01\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(465,89,1,'','2020-09-14 15:08:28',915,3123,'c7dd475f52a795e1905101683fb5434eeee1387e','{\"id\":89,\"asset_id\":\"227\",\"title\":\"Who can complain to us?\",\"alias\":\"who-can-complain-to-us\",\"introtext\":\"<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership) or a trust with the necessary authority. Complaints may include complaints against any institution offering credit, against a debt counsellor, a PDA or a credit bureau provided the NCR has jurisdiction. Only persons with a written consent may lodge a complaint on behalf of another person. Consumers are encouraged to first lodge a dispute with the relevant credit providers, debt counsellors or credit bureaus before referring the matter to the NCR. <!--Any ordinary consumer may lodge a complaint against any institution offering credit, against a debt counsellor and a credit bureau provided the NCR has jurisdiction. Only persons with a power of attorney may lodge complaints on behalf of another person.\\u00a0<\\/p>\\r\\n<p>Juristic (trust, companies etc) may lodge a complaint if the person making the complaint is authorised to do so and the annual turnover of the business or group of businesses is less than R1 000 000, or if the agreement in question is less than R 250 000.00\\u00a0<\\/p>\\r\\n<p>Consumers are encouraged to first lodge a complaint with the respective credit providers, debt counsellors or credit bureau before escalating to the NCR--><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:11:42\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-14 15:08:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-14 15:07:04\",\"publish_up\":\"2020-09-12 14:11:42\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(466,92,1,'','2020-09-14 15:15:15',915,19310,'485285e20f0db1392116202cbd2d2b6c38eb2d4b','{\"id\":92,\"asset_id\":\"230\",\"title\":\"Frequently asked questions \",\"alias\":\"frequently-asked-questions\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p align=\\\"center\\\"><strong>QUESTION<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p align=\\\"center\\\"><strong>ANSWER<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Who can lodge a complaint with the NCR<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership)\\u201d<\\/p>\\r\\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer\\u2019s written consent.<\\/p>\\r\\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Are there limitations that apply to complaints<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Types of complaints the NCR assist with?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Cost of credit e.g. overcharging of interest, initiation fee, service fee, etc.<\\/li>\\r\\n<li>Complaint relating to the conduct of a debt counsellor or lack thereof<\\/li>\\r\\n<li>Credit related dispute against any credit provider<\\/li>\\r\\n<li>Complaints against credit bureaus, on condition that the issue was brought to the attention of the bureau prior to lodging a complaint with the NCR<\\/li>\\r\\n<li>Failure and\\/or refusal to issue statements or other documents relating to an existing credit agreement<\\/li>\\r\\n<li>Failure and\\/or refusal by a debt counsellor to issue a clearance certificate<\\/li>\\r\\n<li>Refusal by a credit provider to cancel an agreement during the cooling off period which is 5 days\\u00a0<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Non-adherence to section 127 &amp; 129 of the NCA by credit providers (taking legal action and repossessing assets without following the prescribed steps)<\\/li>\\r\\n<li>Non distribution of funds by a Payment Distribution Agency and\\/or debt counsellor<\\/li>\\r\\n<li>Creditors taking legal action whilst the consumer is under debt review<\\/li>\\r\\n<li>Creditor\\u2019s failure to restructure accounts in accordance with the debt review court order.<\\/li>\\r\\n<li>Unlawful termination of accounts by creditors<\\/li>\\r\\n<li>Overcharging of fees by debt counsellors<\\/li>\\r\\n<li>Debt counsellor\\u2019s failure to obtain a debt review court order<\\/li>\\r\\n<li>In-duplum-non-adherence to section 103(5) of the Act<\\/li>\\r\\n<li>Creditor collecting on a prescribed debt<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Complaints that fall outside the NCR\\u2019s mandate:<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Service agreements, e.g. Vodacom, MTN, Levies, Municipal accounts, gym subscription fees etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is reckless lending?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.<\\/p>\\r\\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.<\\/p>\\r\\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is prescribed debt and what prevents a debt from prescribing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.<\\/p>\\r\\n<p>The following prevents a debt from prescribing:<\\/p>\\r\\n<ul>\\r\\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his\\/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt or<\\/li>\\r\\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is credit life insurance<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.<\\/p>\\r\\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.<\\/p>\\r\\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What are the charges that a credit provider can charge me for borrowing money?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).<\\/p>\\r\\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.<\\/p>\\r\\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement delivery, installation and initial fuelling charges connection fees, levies or charges taxes, licence or registration fees.<\\/p>\\r\\n<p>The above costs are referred to as the cost of credit in the National Credit Act.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is in duplum<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is set-off<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.<\\/p>\\r\\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Why are my outstanding balancing increasing or not decreasing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don\\u2019t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.<\\/p>\\r\\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is the difference between repossession and voluntary surrender<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.<\\/p>\\r\\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider\\u2019s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for a loan and was told that my application is declined because I\\u2019m under debt review. I do not know who listed me, what do I do?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>How do I know that the credit provider that I want to deal with is legit?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may check the registration details of a credit provider by searching for it on our website under \\u201ccredit providers\\u201d or you may call 0860 627\\u00a0627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I\\u2019m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you are not satisfied with your debt counsellor\\u2019s service, you can transfer to another registered debt counselor of your choice.\\u00a0 A list of registered debt counsellors can be found on our website under \\u201cDebt Counsellor\\u201d.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have received a 17.W from my debt counsellor but I still can\\u2019t get credit, I\\u2019m told I am under debt review.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. You may also access the complaint initiation form on our website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Some credit providers have provided relief to their consumers\\/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I want to apply for credit life insurance but I\\u2019m not sure how to go about it. I\\u2019m not receiving a salary because of the current pandemic.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I was financed by NSFAS more than 3 years ago. I\\u2019m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20\\u00a0000.00 and NSFAS is not aware that you have been earning R20\\u00a0000.00, the debt has not prescribed.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 15:23:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-14 15:15:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-14 15:10:29\",\"publish_up\":\"2020-09-12 15:23:01\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"21\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(467,91,1,'','2020-09-14 15:19:40',915,2565,'680f20dcd5c9a3b8547b63d8e9120accb7858116','{\"id\":91,\"asset_id\":\"229\",\"title\":\"Complaints that fall outside the NCR\\u2019s mandate\",\"alias\":\"complaints-that-fall-outside-the-ncr-s-mandate\",\"introtext\":\"<p><strong>We cannot assist if your complaint involves:\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Service agreements, e.g. Vodacom, MTN, \\u00a0Levies, Municipal accounts, gym etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process.<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators.<\\/li>\\r\\n<li>Complaints relating to damaged goods, these should be sent to the National Consumer Commission or Motor \\u00a0Vehicle Ombudsman for vehicles.\\u00a0<\\/li>\\r\\n<li>Debit orders going off on the wrong dates.\\u00a0<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:13:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-14 15:19:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-14 15:17:55\",\"publish_up\":\"2020-09-12 14:13:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(472,19,1,'','2020-09-15 06:51:27',915,4836,'7d72857a1f757b1a671969095c154111944ba5a9','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Mandate of the Complaints Department\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following manner: or by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 627627<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-15 06:51:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-15 06:50:08\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":34,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"230\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(474,37,1,'','2020-09-15 07:26:20',915,2910,'a9679539e34e1a95d5c0c58d2f9e7d383ea57ce5','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<p><a href=\\\"documents\\/complaints_processs.pdf\\\"><img src=\\\"images\\/complaint_process.png\\\" alt=\\\"\\\" width=\\\"700\\\" \\/><\\/a><\\/p>\\r\\n<p><br \\/><br \\/><\\/p>\\r\\n<p><a style=\\\"line-height: 15.8079996109009px;\\\" href=\\\"newsletters\\/01\\/MAMA%20SIZA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" width=\\\"524\\\" height=\\\"741\\\" \\/><\\/a><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"&lt;img src=\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/>\\\" alt=\\\"\\\" \\/&gt;<\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-15 07:26:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-15 07:24:06\",\"publish_up\":\"2019-04-04 13:47:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"49\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(475,23,1,'','2020-09-15 07:34:12',915,2932,'7cc820bf4204306b7e3c382d1cb62ed701d4d494','{\"id\":23,\"asset_id\":\"119\",\"title\":\"Consumer Assistance\",\"alias\":\"consumer-assistance\",\"introtext\":\"<p>A consumer may apply to a Debt counsellor to be declared over-indebted. If the debt counsellor finds that the consumer is indeed over-indebted, he\\/she will make a recommendation to the Magistrate\\u2019s Court for the consumer to be declared over-indebted. The Court may in turn re-organise the consumer\\u2019s debt by extending the term of any agreement, postponing payments, recalculating unlawful fees or interest and may order adjustments to improperly charged items.<\\/p>\\r\\n<p>If a debt counsellor finds that a consumer is not over-indebted, he\\/she will provide the consumer with a letter of rejection. The consumer may then appeal to court for a review of the counsellor\\u2019s decision.<\\/p>\\r\\n<p>A consumer who is over-indebted may approach a debt counsellor directly, or he\\/she may be referred to a debt counsellor by his\\/her creditor\\/s or by the magistrate court.\\u00a0<\\/p>\\r\\n<p>Please click on any of the following regions to find counselling services in your area, or if you are looking for a Debt Counsellor please go to the <a href=\\\"..\\/register_of_registrants\\/index.html\\\">Register of Registrants<\\/a>\\u00a0page:<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-03-26 11:13:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-15 07:34:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-15 07:33:37\",\"publish_up\":\"2019-03-26 11:13:12\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"38\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(476,26,1,'','2020-09-15 08:08:17',915,11584,'805df3b3afa2cddcd4f7c3fc39ca58b16759efbf','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Reception<\\/td>\\r\\n<td>: 011 554 2700\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-15 08:08:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-15 08:07:59\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"65\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(479,92,1,'','2020-09-23 11:00:33',915,19304,'0e7c81e973b8e3b4ddedab268dcb082ab2a95b43','{\"id\":92,\"asset_id\":\"230\",\"title\":\"Frequently asked questions \",\"alias\":\"frequently-asked-questions\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p align=\\\"center\\\"><strong>QUESTION<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p align=\\\"center\\\"><strong>ANSWER<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Who can lodge a complaint with the NCR<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership)<\\/p>\\r\\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer\\u2019s written consent.<\\/p>\\r\\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Are there limitations that apply to complaints<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Types of complaints the NCR assist with?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Cost of credit e.g. overcharging of interest, initiation fee, service fee, etc.<\\/li>\\r\\n<li>Complaint relating to the conduct of a debt counsellor or lack thereof<\\/li>\\r\\n<li>Credit related dispute against any credit provider<\\/li>\\r\\n<li>Complaints against credit bureaus, on condition that the issue was brought to the attention of the bureau prior to lodging a complaint with the NCR<\\/li>\\r\\n<li>Failure and\\/or refusal to issue statements or other documents relating to an existing credit agreement<\\/li>\\r\\n<li>Failure and\\/or refusal by a debt counsellor to issue a clearance certificate<\\/li>\\r\\n<li>Refusal by a credit provider to cancel an agreement during the cooling off period which is 5 days\\u00a0<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Non-adherence to section 127 &amp; 129 of the NCA by credit providers (taking legal action and repossessing assets without following the prescribed steps)<\\/li>\\r\\n<li>Non distribution of funds by a Payment Distribution Agency and\\/or debt counsellor<\\/li>\\r\\n<li>Creditors taking legal action whilst the consumer is under debt review<\\/li>\\r\\n<li>Creditor\\u2019s failure to restructure accounts in accordance with the debt review court order.<\\/li>\\r\\n<li>Unlawful termination of accounts by creditors<\\/li>\\r\\n<li>Overcharging of fees by debt counsellors<\\/li>\\r\\n<li>Debt counsellor\\u2019s failure to obtain a debt review court order<\\/li>\\r\\n<li>In-duplum-non-adherence to section 103(5) of the Act<\\/li>\\r\\n<li>Creditor collecting on a prescribed debt<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Complaints that fall outside the NCR\\u2019s mandate:<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Service agreements, e.g. Vodacom, MTN, Levies, Municipal accounts, gym subscription fees etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is reckless lending?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.<\\/p>\\r\\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.<\\/p>\\r\\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is prescribed debt and what prevents a debt from prescribing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.<\\/p>\\r\\n<p>The following prevents a debt from prescribing:<\\/p>\\r\\n<ul>\\r\\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his\\/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt or<\\/li>\\r\\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is credit life insurance<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.<\\/p>\\r\\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.<\\/p>\\r\\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What are the charges that a credit provider can charge me for borrowing money?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).<\\/p>\\r\\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.<\\/p>\\r\\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement delivery, installation and initial fuelling charges connection fees, levies or charges taxes, licence or registration fees.<\\/p>\\r\\n<p>The above costs are referred to as the cost of credit in the National Credit Act.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is in duplum<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is set-off<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.<\\/p>\\r\\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Why are my outstanding balancing increasing or not decreasing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don\\u2019t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.<\\/p>\\r\\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is the difference between repossession and voluntary surrender<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.<\\/p>\\r\\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider\\u2019s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for a loan and was told that my application is declined because I\\u2019m under debt review. I do not know who listed me, what do I do?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>How do I know that the credit provider that I want to deal with is legit?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may check the registration details of a credit provider by searching for it on our website under \\u201ccredit providers\\u201d or you may call 0860 627\\u00a0627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I\\u2019m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you are not satisfied with your debt counsellor\\u2019s service, you can transfer to another registered debt counselor of your choice.\\u00a0 A list of registered debt counsellors can be found on our website under \\u201cDebt Counsellor\\u201d.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have received a 17.W from my debt counsellor but I still can\\u2019t get credit, I\\u2019m told I am under debt review.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. You may also access the complaint initiation form on our website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Some credit providers have provided relief to their consumers\\/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I want to apply for credit life insurance but I\\u2019m not sure how to go about it. I\\u2019m not receiving a salary because of the current pandemic.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I was financed by NSFAS more than 3 years ago. I\\u2019m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20\\u00a0000.00 and NSFAS is not aware that you have been earning R20\\u00a0000.00, the debt has not prescribed.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 15:23:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 11:00:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 10:59:36\",\"publish_up\":\"2020-09-12 15:23:01\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(480,90,1,'','2020-09-23 11:06:06',915,3433,'706ab2ed4821c432977a3840e8491dfd82884da1','{\"id\":90,\"asset_id\":\"228\",\"title\":\"Complaints we can handle\",\"alias\":\"complaints-we-can-handle\",\"introtext\":\"<p><strong>The NCR can assist you with the following types of complaints:<\\/strong><\\/p>\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Cost of credit e.g. overcharging of interest, initiation fee, service fee, etc<\\/li>\\r\\n<li>The conduct of a debt counsellor<\\/li>\\r\\n<li>Credit related disputes against any credit provider<\\/li>\\r\\n<li>Complaints against credit bureaus, on condition that the issue was brought to the attention of the bureau prior to lodging a complaint with the NCR<\\/li>\\r\\n<li>Failure and\\/or refusal to issue statements of account or other documents relating to an existing credit agreement<\\/li>\\r\\n<li>Failure and\\/or refusal by a debt counsellor to issue a clearance certificate<\\/li>\\r\\n<li>Refusal by a credit provider to cancel an agreement during the cooling off period which is 5 days\\u00a0<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Non-adherence to section 127 &amp; 129 of the NCA by credit providers (taking legal action and repossessing assets without following the prescribed steps)<\\/li>\\r\\n<li>Non distribution of funds by a payment distribution agent and\\/or debt counsellor<\\/li>\\r\\n<li>Credit providers taking legal action whilst the consumer is under debt review<\\/li>\\r\\n<li>Credit provider\\u2019s failure to restructure accounts in accordance with a debt review court order<\\/li>\\r\\n<li>Unlawful termination of accounts by creditors<\\/li>\\r\\n<li>Overcharging of fees by debt counsellors<\\/li>\\r\\n<li>A debt counsellor\\u2019s failure to obtain a debt review court order<\\/li>\\r\\n<li>In-duplum-non-adherence to section 103(5) of the NCA<\\/li>\\r\\n<li>Credit provider collecting on prescribed debt<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 11:06:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 11:05:47\",\"publish_up\":\"2020-09-12 14:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(481,92,1,'','2020-09-23 11:15:10',915,16940,'a7ef95f4f88b1cfb309712b8ed3f95ebf87b0caa','{\"id\":92,\"asset_id\":\"230\",\"title\":\"Frequently asked questions \",\"alias\":\"frequently-asked-questions\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p align=\\\"center\\\"><strong>QUESTION<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p align=\\\"center\\\"><strong>ANSWER<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Who can lodge a complaint with the NCR<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership)<\\/p>\\r\\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer\\u2019s written consent.<\\/p>\\r\\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Are there limitations that apply to complaints<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is reckless lending?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.<\\/p>\\r\\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.<\\/p>\\r\\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is prescribed debt and what prevents a debt from prescribing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.<\\/p>\\r\\n<p>The following prevents a debt from prescribing:<\\/p>\\r\\n<ul>\\r\\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his\\/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt or<\\/li>\\r\\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is credit life insurance<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.<\\/p>\\r\\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.<\\/p>\\r\\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What are the charges that a credit provider can charge me for borrowing money?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).<\\/p>\\r\\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.<\\/p>\\r\\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement delivery, installation and initial fuelling charges connection fees, levies or charges taxes, licence or registration fees.<\\/p>\\r\\n<p>The above costs are referred to as the cost of credit in the National Credit Act.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is in duplum<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is set-off<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.<\\/p>\\r\\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Why are my outstanding balancing increasing or not decreasing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don\\u2019t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.<\\/p>\\r\\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is the difference between repossession and voluntary surrender<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.<\\/p>\\r\\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider\\u2019s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for a loan and was told that my application is declined because I\\u2019m under debt review. I do not know who listed me, what do I do?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>How do I know that the credit provider that I want to deal with is legit?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may check the registration details of a credit provider by searching for it on our website under \\u201ccredit providers\\u201d or you may call 0860 627\\u00a0627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I\\u2019m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you are not satisfied with your debt counsellor\\u2019s service, you can transfer to another registered debt counselor of your choice.\\u00a0 A list of registered debt counsellors can be found on our website under \\u201cDebt Counsellor\\u201d.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have received a 17.W from my debt counsellor but I still can\\u2019t get credit, I\\u2019m told I am under debt review.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. You may also access the complaint initiation form on our website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Some credit providers have provided relief to their consumers\\/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I want to apply for credit life insurance but I\\u2019m not sure how to go about it. I\\u2019m not receiving a salary because of the current pandemic.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I was financed by NSFAS more than 3 years ago. I\\u2019m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20\\u00a0000.00 and NSFAS is not aware that you have been earning R20\\u00a0000.00, the debt has not prescribed.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 15:23:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 11:15:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 11:08:58\",\"publish_up\":\"2020-09-12 15:23:01\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"40\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(482,92,1,'','2020-09-23 11:30:55',915,16941,'096f8acb2d47da6753b24e32b4e3926219c13bfc','{\"id\":92,\"asset_id\":\"230\",\"title\":\"Frequently asked questions \",\"alias\":\"frequently-asked-questions\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p align=\\\"center\\\"><strong>QUESTION<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p align=\\\"center\\\"><strong>ANSWER<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Who can lodge a complaint with the NCR<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership).<\\/p>\\r\\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer\\u2019s written consent.<\\/p>\\r\\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Are there limitations that apply to complaints<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is reckless lending?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.<\\/p>\\r\\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.<\\/p>\\r\\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is prescribed debt and what prevents a debt from prescribing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.<\\/p>\\r\\n<p>The following prevents a debt from prescribing:<\\/p>\\r\\n<ul>\\r\\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his\\/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt or<\\/li>\\r\\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is credit life insurance<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.<\\/p>\\r\\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.<\\/p>\\r\\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What are the charges that a credit provider can charge me for borrowing money?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).<\\/p>\\r\\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.<\\/p>\\r\\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement delivery, installation and initial fuelling charges connection fees, levies or charges taxes, licence or registration fees.<\\/p>\\r\\n<p>The above costs are referred to as the cost of credit in the National Credit Act.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is in duplum<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is set-off<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.<\\/p>\\r\\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Why are my outstanding balancing increasing or not decreasing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don\\u2019t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.<\\/p>\\r\\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is the difference between repossession and voluntary surrender<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.<\\/p>\\r\\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider\\u2019s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for a loan and was told that my application is declined because I\\u2019m under debt review. I do not know who listed me, what do I do?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>How do I know that the credit provider that I want to deal with is legit?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may check the registration details of a credit provider by searching for it on our website under \\u201ccredit providers\\u201d or you may call 0860 627\\u00a0627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I\\u2019m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you are not satisfied with your debt counsellor\\u2019s service, you can transfer to another registered debt counselor of your choice.\\u00a0 A list of registered debt counsellors can be found on our website under \\u201cDebt Counsellor\\u201d.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have received a 17.W from my debt counsellor but I still can\\u2019t get credit, I\\u2019m told I am under debt review.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. You may also access the complaint initiation form on our website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Some credit providers have provided relief to their consumers\\/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I want to apply for credit life insurance but I\\u2019m not sure how to go about it. I\\u2019m not receiving a salary because of the current pandemic.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I was financed by NSFAS more than 3 years ago. I\\u2019m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20\\u00a0000.00 and NSFAS is not aware that you have been earning R20\\u00a0000.00, the debt has not prescribed.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 15:23:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 11:30:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 11:15:10\",\"publish_up\":\"2020-09-12 15:23:01\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"41\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(483,19,1,'','2020-09-23 12:00:23',915,4825,'f1a5e918d0501f605cfe2b9f8a15a978e5227e44','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Mandate of the Complaints Department\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 627627<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 12:00:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 11:57:35\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":36,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"263\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(484,19,1,'','2020-09-23 12:02:09',915,4824,'7d00aeb1a5be2536900472e5d96ee93daecc8ee2','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Mandate of the Complaints Department\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 12:02:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 12:00:23\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":37,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"263\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(485,64,1,'','2020-09-23 12:06:38',915,3188,'e33347e5cc29166f698e48ffde4a3f64041fae09','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p><strong>Mandate of the Statistics and Research department<\\/strong><\\/p>\\r\\n<p>Statistics and Research department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrants such as credit providers, credit bureaus, debt counsellors. Our flagship reports emanating from the data are the Consumer Credit Market Report (CCMR) which represents the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act (NCA) and Credit Bureau Monitor (CBM) and is based on data held by registered credit bureaus in terms of the NCA.<\\/p>\\r\\n<p>The department is also responsible for conducting research taking into account the prevailing trends and market conditions in line with Sections 13 and 16 of the NCA and may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Please click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Please click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\\r\\n<p><a href=\\\"..\\/documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\">Please click here to view the Statistical Returns (Form 39)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 12:06:38\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 12:05:29\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"70\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(486,19,1,'','2020-09-23 13:15:48',915,4842,'b14807f924e27d74a4eb7f4821117aad0efe3720','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Mandate of the Complaints Department\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p><strong>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 13:15:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 13:15:39\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":39,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"268\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(487,62,1,'','2020-09-23 13:17:14',915,3808,'94ae51b32c4a9719eddebb81ce8d2d167827722d','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Compliance Credit Bureau\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<p><strong>Mandate of the Compliance Credit Bureau<\\/strong><\\/p>\\r\\n<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 13:17:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 13:17:01\",\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"54\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(488,19,1,'','2020-09-23 13:18:16',915,4827,'d7c7e02f699471384cc5e3270bac5095f92da234','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints Department\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p><strong>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 13:18:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 13:18:10\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":40,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"270\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(489,19,1,'','2020-09-23 13:22:09',915,4816,'0e77844e6bf72b28ce22b563d2300d2605911047','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p><strong>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 13:22:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 13:22:04\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":41,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"271\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(490,8,1,'','2020-09-23 14:35:33',915,2902,'73b5dbd6f3c1dc12e8589ccc8555f02c82468c3a','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<h6>Mandate of the Investigations and Enforcement Department<\\/h6>\\r\\n<p>The Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act and taking the necessary enforcement action where necessary. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments such as identity documents, bank cards, SASSA cards and bank pins.<\\/p>\\r\\n<h3>Notable Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:35:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:34:54\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":41,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"306\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(493,8,1,'','2020-09-23 14:39:58',915,2902,'dc9f2f7b473cc2d40d01659bba56e1b6a67c5f44','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<h5>Mandate of the Investigations and Enforcement Department<\\/h5>\\r\\n<p>The Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act and taking the necessary enforcement action where necessary. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments such as identity documents, bank cards, SASSA cards and bank pins.<\\/p>\\r\\n<h3>Notable Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:39:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:39:39\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":43,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"309\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(494,63,1,'','2020-09-23 14:40:43',915,9602,'92e4f1622cac1df730f35378ee9c26055a3abae6','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<h5>Mandate of the debt counselling department<\\/h5>\\r\\n<p>The mandate of the Debt Counselling Department is to monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/p>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<h4><strong>The debt counselling process<\\/strong><\\/h4>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable\\u00a0fees when you apply for debt counselling. <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">Click here to view the fees<\\/a>.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:40:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:40:21\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"131\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(495,19,1,'','2020-09-23 14:41:54',915,4800,'55fcbab7195de2719ffc2b8b99dd8e474486a88a','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<h5>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/h5>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:41:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:41:22\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":42,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"275\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(498,7,1,'','2020-09-23 14:44:28',915,5930,'266224d5ff848640eda7eca937e263bb7c56def3','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Compliance Report (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:44:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:44:08\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"126\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(499,62,1,'','2020-09-23 14:45:15',915,3792,'fdbc33d9bd45fd42ade29654ee55c4ef0cd1c29e','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Compliance Credit Bureau\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<h5>Mandate of the Compliance Credit Bureau<\\/h5>\\r\\n<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:45:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:44:55\",\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"60\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(500,64,1,'','2020-09-23 14:46:02',915,3172,'aab09233700f29536747d17f77975d06d4286f9e','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<h5>Mandate of the Statistics and Research department<\\/h5>\\r\\n<p>Statistics and Research department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrants such as credit providers, credit bureaus, debt counsellors. Our flagship reports emanating from the data are the Consumer Credit Market Report (CCMR) which represents the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act (NCA) and Credit Bureau Monitor (CBM) and is based on data held by registered credit bureaus in terms of the NCA.<\\/p>\\r\\n<p>The department is also responsible for conducting research taking into account the prevailing trends and market conditions in line with Sections 13 and 16 of the NCA and may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Please click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Please click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\\r\\n<p><a href=\\\"..\\/documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\">Please click here to view the Statistical Returns (Form 39)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 14:46:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 14:45:43\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"76\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(501,63,1,'','2020-09-23 15:04:22',915,8708,'ee0b906d7b3048cb83da2b06b88da4265e737504','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<h5>Mandate of the Debt Counselling department<\\/h5>\\r\\n<p>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act (NCA) and their conditions of registration. <br \\/> <strong>What is debt counselling?<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the level of over-indebtedness and how consumers can be assisted, an assessment of the consumers\' financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and the restructuring the debts will commence.<\\/li>\\r\\n<li>Lastly, the restructuring of debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice. This certificate can be requested for inspection by the consumer if not displayed at the place of practice.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process and consequences of being under debt counselling to the consumer before the consumers can sign the application for debt counselling. All applicable fees must be disclosed to the consumer in writing.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><br \\/> <strong>Application process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer voluntarily applies for debt counselling to a DC by completing an application (Form 16) and by submitting relevant documentation.<\\/li>\\r\\n<li>Consumers married in community of property(COP) must make a joint debt counselling application and cannot apply for debt counselling without consent from their spouse.<\\/li>\\r\\n<li>A DC will inform credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer.<\\/li>\\r\\n<li>A credit provider will send the Certificate of Balance(COB) to the DC showing the latest financial information specific the credit agreement, such as outstanding balance, monthly instalment, interest rate and others within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>The debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from date of application. Within this period, the consumer is protected against legal action such as repossession of assets, default judgment and others by the credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt of a COB conduct an assessment to determine if the consumer is over-indebted or not.<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer is not found to be over-indebted) or accept the application (if consumer is found to be over-indebted) and communicate the outcome with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If the application is accepted, the DC will draft a restructuring proposal and send it to the creditor providers for consideration;<\\/li>\\r\\n<li>If all credit providers accept the restructuring proposal, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more credit provider decline the restructuring proposal, the DC will refer the matter to the Magistrate Court for adjudication;<\\/li>\\r\\n<li>If the Magistrate Court grants the restructuring court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in line with the terms of the restructuring court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling does not offer any payment holiday and a consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. \\u00a0<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit provider(s) or make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider may terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><br \\/> A consumer under debt counselling, can only be cleared or exit debt counselling if the following has occurred:<\\/p>\\r\\n<ul>\\r\\n<li>If all debts that have been subject to the debt counselling restructuring order have been paid up in full; or<\\/li>\\r\\n<li>If all short term debts have been paid up in full and the only remaining debt is a home loan account which is up to date in terms of the debt counselling restructuring order.<\\/li>\\r\\n<\\/ul>\\r\\n<p>After verifying all the paid up letters, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<br \\/> <strong>Applicable debt counselling fees<\\/strong><br \\/> The debt counselling service is not offered for free and there are fees applicable, however consumers do not have to borrow money to make payment for debt counselling fees.<em> Click here to view the DC fees<\\/em> (insert the hyperlink)<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 15:04:22\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 15:03:37\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"134\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(502,63,1,'','2020-09-23 15:06:26',915,8650,'1a8a034d5a6ec1ce9ceb062d2cfae06903a46128','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<h5>Mandate of the Debt Counselling department<\\/h5>\\r\\n<p>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act (NCA) and their conditions of registration.<\\/p>\\r\\n<h5>What is debt counselling?<\\/h5>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the level of over-indebtedness and how consumers can be assisted, an assessment of the consumers\' financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and the restructuring the debts will commence.<\\/li>\\r\\n<li>Lastly, the restructuring of debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Who conducts debt counselling?<\\/h5>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice. This certificate can be requested for inspection by the consumer if not displayed at the place of practice.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process and consequences of being under debt counselling to the consumer before the consumers can sign the application for debt counselling. All applicable fees must be disclosed to the consumer in writing.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>The debt counselling process<\\/h5>\\r\\n<h5>Application process<\\/h5>\\r\\n<ul>\\r\\n<li>A consumer voluntarily applies for debt counselling to a DC by completing an application (Form 16) and by submitting relevant documentation.<\\/li>\\r\\n<li>Consumers married in community of property(COP) must make a joint debt counselling application and cannot apply for debt counselling without consent from their spouse.<\\/li>\\r\\n<li>A DC will inform credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer.<\\/li>\\r\\n<li>A credit provider will send the Certificate of Balance(COB) to the DC showing the latest financial information specific the credit agreement, such as outstanding balance, monthly instalment, interest rate and others within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>The debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from date of application. Within this period, the consumer is protected against legal action such as repossession of assets, default judgment and others by the credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt of a COB conduct an assessment to determine if the consumer is over-indebted or not.<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer is not found to be over-indebted) or accept the application (if consumer is found to be over-indebted) and communicate the outcome with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If the application is accepted, the DC will draft a restructuring proposal and send it to the creditor providers for consideration;<\\/li>\\r\\n<li>If all credit providers accept the restructuring proposal, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more credit provider decline the restructuring proposal, the DC will refer the matter to the Magistrate Court for adjudication;<\\/li>\\r\\n<li>If the Magistrate Court grants the restructuring court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in line with the terms of the restructuring court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling does not offer any payment holiday and a consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. \\u00a0<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit provider(s) or make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider may terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><br \\/> A consumer under debt counselling, can only be cleared or exit debt counselling if the following has occurred:<\\/p>\\r\\n<ul>\\r\\n<li>If all debts that have been subject to the debt counselling restructuring order have been paid up in full; or<\\/li>\\r\\n<li>If all short term debts have been paid up in full and the only remaining debt is a home loan account which is up to date in terms of the debt counselling restructuring order.<\\/li>\\r\\n<\\/ul>\\r\\n<p>After verifying all the paid up letters, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<br \\/> <strong>Applicable debt counselling fees<\\/strong><br \\/> The debt counselling service is not offered for free and there are fees applicable, however consumers do not have to borrow money to make payment for debt counselling fees.<em> Click here to view the DC fees<\\/em> (insert the hyperlink)<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 15:06:26\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 15:04:22\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"136\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(503,63,1,'','2020-09-23 15:09:58',915,8614,'8aa381930471cccf42384a93496046fc9a555cdf','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<h5>Mandate of the Debt Counselling department<\\/h5>\\r\\n<p>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act (NCA) and their conditions of registration.<\\/p>\\r\\n<h5>What is debt counselling?<\\/h5>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the level of over-indebtedness and how consumers can be assisted, an assessment of the consumers\' financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and the restructuring the debts will commence.<\\/li>\\r\\n<li>Lastly, the restructuring of debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Who conducts debt counselling?<\\/h5>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice. This certificate can be requested for inspection by the consumer if not displayed at the place of practice.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process and consequences of being under debt counselling to the consumer before the consumers can sign the application for debt counselling. All applicable fees must be disclosed to the consumer in writing.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>The debt counselling process<\\/h5>\\r\\n<h5>Application process<\\/h5>\\r\\n<ul>\\r\\n<li>A consumer voluntarily applies for debt counselling to a DC by completing an application (Form 16) and by submitting relevant documentation.<\\/li>\\r\\n<li>Consumers married in community of property(COP) must make a joint debt counselling application and cannot apply for debt counselling without consent from their spouse.<\\/li>\\r\\n<li>A DC will inform credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer.<\\/li>\\r\\n<li>A credit provider will send the Certificate of Balance(COB) to the DC showing the latest financial information specific the credit agreement, such as outstanding balance, monthly instalment, interest rate and others within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>The debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from date of application. Within this period, the consumer is protected against legal action such as repossession of assets, default judgment and others by the credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>&gt;Assessment process<\\/h5>\\r\\n<ul>\\r\\n<li>A DC will upon receipt of a COB conduct an assessment to determine if the consumer is over-indebted or not.<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer is not found to be over-indebted) or accept the application (if consumer is found to be over-indebted) and communicate the outcome with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Negotiation process<\\/h5>\\r\\n<ul>\\r\\n<li>If the application is accepted, the DC will draft a restructuring proposal and send it to the creditor providers for consideration;<\\/li>\\r\\n<li>If all credit providers accept the restructuring proposal, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more credit provider decline the restructuring proposal, the DC will refer the matter to the Magistrate Court for adjudication;<\\/li>\\r\\n<li>If the Magistrate Court grants the restructuring court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Restructuring process<\\/h5>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in line with the terms of the restructuring court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Payment process<\\/h5>\\r\\n<ul>\\r\\n<li>Debt counselling does not offer any payment holiday and a consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. \\u00a0<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit provider(s) or make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider may terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Clearance certificate process<\\/h5>\\r\\n<p>A consumer under debt counselling, can only be cleared or exit debt counselling if the following has occurred:<\\/p>\\r\\n<ul>\\r\\n<li>If all debts that have been subject to the debt counselling restructuring order have been paid up in full; or<\\/li>\\r\\n<li>If all short term debts have been paid up in full and the only remaining debt is a home loan account which is up to date in terms of the debt counselling restructuring order.<\\/li>\\r\\n<\\/ul>\\r\\n<p>After verifying all the paid up letters, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/p>\\r\\n<h5>Applicable debt counselling fees<\\/h5>\\r\\n<p>The debt counselling service is not offered for free and there are fees applicable, however consumers do not have to borrow money to make payment for debt counselling fees.<em> <a href=\\\"..\\/documents\\/debt%20counselling%20fee%20structure%20guideline.pdf\\\">Click here to view the DC fees<\\/a><\\/em><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 15:09:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 15:06:26\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"137\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(505,62,1,'','2020-09-28 08:39:55',915,3792,'8abaab2e4819515e0c93877d173fedbd6b129413','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Credit Bureau Compliance\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<h5>Mandate of the Credit Bureau Compliance<\\/h5>\\r\\n<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-28 08:39:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-28 08:39:41\",\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"68\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(506,19,1,'','2020-09-28 08:45:52',915,4804,'603377b41804973b0fe52423f67681b5c023d3a1','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<h5>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/h5>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department amended.pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-28 08:45:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-28 08:45:17\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":43,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"280\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(511,40,1,'','2020-09-28 15:26:58',915,10493,'b4ae2f9344dfc38b03cd25aeeff884bf87a46fda','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative dispute resolution agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Experience and Competence: <\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Must demonstrate the ability to:-<\\/li>\\r\\n<ul>\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013<\\/li>\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-28 15:26:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-28 15:18:35\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(512,40,1,'','2020-09-28 15:27:57',915,10469,'94a141db322bda0c37da6b946e729771a6857811','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative dispute resolution agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Experience and Competence: <\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Must demonstrate the ability to:-<\\/li>\\r\\n<ul>\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013<\\/li>\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-28 15:27:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-28 15:26:58\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"35\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(513,41,1,'','2020-09-28 15:43:15',915,9219,'c590009e37d6a3bd5155eec3aeebd43b40633720','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong><u>Education <\\/u><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong><u>Experience <\\/u><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company. <u><\\/u><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong><u>Competence <\\/u><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3)\\u00a0\\u00a0\\u00a0\\u00a0 The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<br \\/> (4)\\u00a0\\u00a0\\u00a0\\u00a0 The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<br \\/> (5)\\u00a0\\u00a0\\u00a0\\u00a0 The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\\r\\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/u><\\/strong><u> <\\/u><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<li>\\u00a0\\u00a0Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>\\u00a0\\u00a0Initial registration fee of R100\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;<\\/li>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<\\/ul>\\r\\n<p>17. \\u00a0\\u00a0 Copy of the latest annual financial statements (if applicable).<br \\/> 18. \\u00a0\\u00a0 Copy of information security policy.<br \\/> 19. \\u00a0\\u00a0 Business continuity management plan.<br \\/> 20.\\u00a0\\u00a0\\u00a0 Fraud prevention policy.<br \\/> 21. \\u00a0\\u00a0 Human resource policies.<br \\/> 22. \\u00a0\\u00a0 Copy of disaster recovery plan.<br \\/> 23. \\u00a0\\u00a0 Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers. <br \\/> 24. \\u00a0\\u00a0 A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">(scope of work attached)<\\/a>.<\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-28 15:43:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-28 15:38:26\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"42\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(516,43,1,'','2020-09-29 07:15:23',915,10080,'4c1951951074dea4fbe8e33c2cbaa50dcc80e541','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A person must apply for registration as a credit provider if that person is-<\\/li>\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0 \\u00a0<br \\/> <strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:<\\/li>\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months. (please create a link)<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-<\\/p>\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:<\\/li>\\r\\n<\\/ul>\\r\\n<ul type=\\\"disc\\\">\\r\\n<ul type=\\\"circle\\\">\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<p>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)\\u00a0\\u00a0<br \\/> <br \\/> <strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 07:15:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 07:15:04\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"84\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(521,49,1,'','2020-09-29 07:46:15',915,2736,'5178014f330c24a0176ce4b18fddaf4c46f9585d','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Voluntary cancellation - Credit Provider.docx\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 07:46:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 07:42:04\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(522,50,1,'','2020-09-29 08:16:37',915,2565,'e5d4f74e5a9c8a5b3ecffd41a3b2f9c190c6d262','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Debt Counselor<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Annexure_Confirmation_of_payment_of_fees_DC.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Voluntary cancellation - Debt Counsellor.docx\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 08:16:37\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 08:16:27\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"36\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(523,51,1,'','2020-09-29 08:23:07',915,2282,'0fc6bbe59148eae563db95fe7d6ca1f3d5e5c984','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Voluntary cancellation - ADR PDA  CB.docx\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 08:23:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 08:21:04\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(524,53,1,'','2020-09-29 08:26:02',915,3003,'4ac05e2b2d14cf428efe8bfd96f85592bc707a2a','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"Service Provider SA\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/Service Providers SA.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider SA<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR Scope of Work by Independent Auditors\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/0000 NCR SCOPE OF WORK BY INDEPENDANT AUDITOR.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Scope of Work by Independent Auditors\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Voluntary cancellation - ADR PDA  CB.docx\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 08:26:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 08:25:45\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"22\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(525,54,1,'','2020-09-29 08:30:15',915,2528,'c8c81323f2662df9cbacf57fa3fe734596d0ed96','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Voluntary cancellation - ADR PDA  CB.docx\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 08:30:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 08:30:03\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"27\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(531,94,1,'','2020-09-29 11:11:38',915,1805,'c063e32dc9ca6f148c661934bcc23044d16bd2d1','{\"id\":94,\"asset_id\":234,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 11:11:38\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(532,94,1,'','2020-09-29 11:11:45',915,1827,'ebd1c122f3dbff5be1c1fe683f85419048726ce3','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 11:11:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 11:11:38\",\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(533,94,1,'','2020-09-29 11:15:04',915,2855,'7c319ba2694b8722456294a4de09646303fded15','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Complete form 10 (create a link).<\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ol>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<ul>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<ol start=\\\"3\\\">\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 11:15:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 11:11:45\",\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(538,44,1,'','2020-09-29 11:45:56',915,11074,'728b0ac731f06027a239a5f29c97e40b0d97f3a9','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<p>13. Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<br \\/> 14. List of key contractors\\/outsourced service providers of the organization and the services that they provide;<br \\/> 15. Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<br \\/> 16. Copies of the HR policies and procedures:<\\/p>\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<p>17. Copy of the training budget.<br \\/> 18. Copy of the latest external audit management letter (if applicable).<br \\/> 19. Copy of the latest internal audit submission to the main Audit Committee (if applicable).<br \\/> 20. Copy of the latest management accounts.<br \\/> 21. Copy of the latest audited financial statements.<br \\/> 22. Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<br \\/> 23. Copy of the procedures that deal with the following:<\\/p>\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<p>24. Copy of information security policy.<br \\/> 25. Business continuity management plan.<br \\/> 26. Copy of disaster recovery plan.<br \\/> 27. List of exception reports run on data (e.g. Duplicate ID numbers).<br \\/> 28. Information on current litigation against the organization.<\\/p>\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<p>29. Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<br \\/> 30. Process map indicating the flow of information.<br \\/> 31. A detail overview of the IT infrastructure, systems and IT resources.<br \\/> <strong>32. PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act). <br \\/> <strong>33. Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act). <br \\/> 34.Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/p>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 11:45:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 11:44:18\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":20,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"48\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(539,44,1,'','2020-09-29 12:05:51',915,11140,'3f2f225260a805aa6ffb34f6319018de2b67e631','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<li>16. Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<p>17. Copy of the training budget.<br \\/> 18. Copy of the latest external audit management letter (if applicable).<br \\/> 19. Copy of the latest internal audit submission to the main Audit Committee (if applicable).<br \\/> 20. Copy of the latest management accounts.<br \\/> 21. Copy of the latest audited financial statements.<br \\/> 22. Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<br \\/> 23. Copy of the procedures that deal with the following:<\\/p>\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<p>24. Copy of information security policy.<br \\/> 25. Business continuity management plan.<br \\/> 26. Copy of disaster recovery plan.<br \\/> 27. List of exception reports run on data (e.g. Duplicate ID numbers).<br \\/> 28. Information on current litigation against the organization.<\\/p>\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<p>29. Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<br \\/> 30. Process map indicating the flow of information.<br \\/> 31. A detail overview of the IT infrastructure, systems and IT resources.<br \\/> <strong>32. PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act). <br \\/> <strong>33. Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act). <br \\/> 34.Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/p>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:05:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:02:23\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":22,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"51\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(540,44,1,'','2020-09-29 12:06:21',915,11082,'c46645eac51770c99668d2244e2a330df5a4de93','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<p>17. Copy of the training budget.<br \\/> 18. Copy of the latest external audit management letter (if applicable).<br \\/> 19. Copy of the latest internal audit submission to the main Audit Committee (if applicable).<br \\/> 20. Copy of the latest management accounts.<br \\/> 21. Copy of the latest audited financial statements.<br \\/> 22. Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<br \\/> 23. Copy of the procedures that deal with the following:<\\/p>\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<p>24. Copy of information security policy.<br \\/> 25. Business continuity management plan.<br \\/> 26. Copy of disaster recovery plan.<br \\/> 27. List of exception reports run on data (e.g. Duplicate ID numbers).<br \\/> 28. Information on current litigation against the organization.<\\/p>\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<p>29. Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<br \\/> 30. Process map indicating the flow of information.<br \\/> 31. A detail overview of the IT infrastructure, systems and IT resources.<br \\/> <strong>32. PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act). <br \\/> <strong>33. Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act). <br \\/> 34.Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/p>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:06:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:05:51\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":23,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"52\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(541,44,1,'','2020-09-29 12:09:33',915,11096,'36de3402c6bacf7192a27c057d4589c402c61f2a','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<p>24. Copy of information security policy.<br \\/> 25. Business continuity management plan.<br \\/> 26. Copy of disaster recovery plan.<br \\/> 27. List of exception reports run on data (e.g. Duplicate ID numbers).<br \\/> 28. Information on current litigation against the organization.<\\/p>\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<p>29. Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<br \\/> 30. Process map indicating the flow of information.<br \\/> 31. A detail overview of the IT infrastructure, systems and IT resources.<br \\/> <strong>32. PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act). <br \\/> <strong>33. Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act). <br \\/> 34.Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/p>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:09:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:06:21\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":24,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"54\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(542,44,1,'','2020-09-29 12:14:26',915,11117,'90762c05261a5418d455796880c0f510576e0a2c','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>32. PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>33. Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act). <br \\/> 34.Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/p>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:14:26\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:09:33\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":25,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"55\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(543,44,1,'','2020-09-29 12:16:32',915,11113,'74b53ffb6c992f6cf5c54543092f5edc68c0ccbe','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<li><strong>Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).<\\/li>\\r\\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:16:32\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:14:26\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":26,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(544,44,1,'','2020-09-29 12:17:30',915,11105,'cb67912064af623a41b92ad691e9937c74ab6ca8','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<li><strong>Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).<\\/li>\\r\\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:17:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:16:32\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":27,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"57\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(545,94,1,'','2020-09-29 12:19:34',915,2940,'079fd99cf4099569a7d68d8282aa7e274c5a9942','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ol>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<ul>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<ol start=\\\"3\\\">\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:19:34\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:18:11\",\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(546,94,1,'','2020-09-29 12:21:21',915,2892,'42ade4b1bd9d0f56986b3b82c5fa50a95cc24382','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:21:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:19:34\",\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(547,44,1,'','2020-09-29 12:29:07',915,11166,'28d02a735defe993cb232aa7b46d901ec9651754','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<li><strong>Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).<\\/li>\\r\\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:29:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:28:04\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":29,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(548,54,1,'','2020-09-29 12:30:12',915,2365,'725095a420b6c4cf4aacec295460fdb4133c8e8f','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 12:30:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 12:30:05\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"35\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(549,95,1,'','2020-09-29 13:51:18',915,1759,'07602d5e17b61748bbc7b9d9510ff6175bb34a36','{\"id\":95,\"asset_id\":235,\"title\":\"Success Stories\",\"alias\":\"success-stories\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-29 13:51:18\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 13:51:18\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-29 13:51:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(550,19,1,'','2020-09-29 13:52:04',915,4939,'0d49cdac4c3bc42930813f910ab026621a635a25','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<h5>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/h5>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department amended.pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=95&amp;catid=14\\\">Click here to view - Success Stories <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 13:52:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 13:51:53\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":46,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"312\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(551,43,1,'','2020-09-29 14:47:15',915,10067,'e9754b0a6cb164dc0c18e3d6e8bfab5f85cda2e4','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0 \\u00a0<br \\/> <strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:<\\/li>\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months. (please create a link)<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-<\\/p>\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:<\\/li>\\r\\n<\\/ul>\\r\\n<ul type=\\\"disc\\\">\\r\\n<ul type=\\\"circle\\\">\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<p>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)\\u00a0\\u00a0<br \\/> <br \\/> <strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 14:47:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 14:43:57\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"96\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(552,43,1,'','2020-09-29 14:55:27',915,10077,'5256a52cabd4c59cc3a557b97f91e7fa7f2424aa','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-<\\/p>\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:<\\/li>\\r\\n<\\/ul>\\r\\n<ul type=\\\"disc\\\">\\r\\n<ul type=\\\"circle\\\">\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<p>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)\\u00a0\\u00a0<br \\/> <br \\/> <strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 14:55:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 14:47:15\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"99\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(553,43,1,'','2020-09-29 14:59:18',915,10059,'5e43aa456c746630108e2825d064da1d7940313d','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<ol>\\r\\n<li><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<p>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)\\u00a0\\u00a0<br \\/> <br \\/> <strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 14:59:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 14:55:27\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"101\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(554,43,1,'','2020-09-29 15:01:28',915,10045,'693f5ee3dc30e9b8cb0c1f59ca876eca1e160e5f','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<ol>\\r\\n<li><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:01:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 14:59:18\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"103\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(555,43,1,'','2020-09-29 15:03:53',915,12224,'622f863265feb7223432862fd88aa6afdea926b1','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p>&lt;p&gt;&lt;strong&gt;Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:&lt;\\/strong&gt;&lt;\\/p&gt;<br \\/>&lt;ol&gt;<br \\/>&lt;li&gt;A person must apply for registration as a credit provider if that person is-<br \\/>&lt;ul&gt;<br \\/>&lt;li&gt;The party who supplies goods or services under a discount transaction or instalment sale agreement;&lt;\\/li&gt;<br \\/>&lt;li&gt;The party who advances money or credit under a pawn transaction;&lt;\\/li&gt;<br \\/>&lt;li&gt;The party who extends credit under a credit facility;&lt;\\/li&gt;<br \\/>&lt;li&gt;The mortgagee under a mortgage agreement;&lt;\\/li&gt;<br \\/>&lt;li&gt;The lender under a secured loan;&lt;\\/li&gt;<br \\/>&lt;li&gt;The lessor under a lease;&lt;\\/li&gt;<br \\/>&lt;li&gt;The party to whom an assurance or promise is made under a credit guarantee;&lt;\\/li&gt;<br \\/>&lt;li&gt;The party who advances money or credit to another under any other credit agreement; or&lt;\\/li&gt;<br \\/>&lt;li&gt;Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.&lt;\\/li&gt;<br \\/>&lt;\\/ul&gt;&lt;\\/li&gt;<\\/p>\\r\\n<p>&lt;li&gt;A juristic person or a natural person may apply for registration as a credit provider.&lt;\\/li&gt;<br \\/>&lt;li&gt;A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.&lt;\\/li&gt;<br \\/>&lt;\\/ol&gt;<br \\/>&lt;p&gt;&lt;strong&gt;Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:&lt;\\/strong&gt;&lt;\\/p&gt;&lt;p&gt; &lt;strong&gt;Please note that your application will not be processed and\\/or considered without the following:&lt;\\/strong&gt;&lt;\\/p&gt;<\\/p>\\r\\n<p>&lt;ol&gt;<\\/p>\\r\\n<p>&lt;li&gt;Completed and signed application form (Form 2)&lt;\\/li&gt;<br \\/>&lt;li&gt;\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.&lt;\\/li&gt;<br \\/>&lt;li&gt;Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:<br \\/>&lt;ul&gt;<br \\/>&lt;li&gt;Certified copy of the identity document.&lt;\\/li&gt;<br \\/>&lt;li&gt;Part 7 (disqualification of natural person form)&lt;\\/li&gt;<br \\/>&lt;li&gt;Criminal clearance certificate not older than six (6) months)&lt;\\/li&gt;<br \\/>&lt;\\/ul&gt;<br \\/>&lt;\\/li&gt;<\\/p>\\r\\n<p>&lt;li&gt;Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.&lt;\\/li&gt;<br \\/>&lt;li&gt;&lt;a href=\\\"..\\/documents\\/pages\\/registration&amp;amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"&gt;Resolution&lt;\\/a&gt;\\u00a0if applicant is a juristic person (see attached specimen).&lt;\\/li&gt;<br \\/>&lt;li&gt;A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0&lt;a href=\\\"..\\/documents\\/pages\\/registration&amp;amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"&gt;attached hereto&lt;\\/a&gt;\\u00a0marked A. The clearance certificate must not be older than six (6) months. &lt;\\/li&gt;<br \\/>&lt;li&gt;A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.&lt;\\/li&gt;<br \\/>&lt;li&gt;Proof of registration with the South African Revenue Services (SARS).&lt;\\/li&gt;<br \\/>&lt;li&gt;Proof of payment of the registration fees<br \\/>&lt;ul&gt;<br \\/>&lt;li&gt;Non-refundable application fee of R550&lt;\\/li&gt;<br \\/>&lt;li&gt;Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.&lt;\\/li&gt;<br \\/>&lt;li&gt;Initial registration fee as indicated in the table below for each sub-category of registrant&lt;\\/li&gt;<br \\/>&lt;\\/ul&gt;<br \\/>&lt;\\/li&gt;<br \\/>&lt;\\/ol&gt;<\\/p>\\r\\n<p>&lt;table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\"&gt;<br \\/>&lt;tbody&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td width=\\\"147\\\"&gt;<br \\/>&lt;p&gt;&lt;strong&gt;Fee Category&lt;\\/strong&gt;&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td width=\\\"417\\\"&gt;<br \\/>&lt;p&gt;&lt;strong&gt;Description&lt;\\/strong&gt;&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td width=\\\"510\\\"&gt;<br \\/>&lt;p&gt;&lt;strong&gt;Fee&lt;\\/strong&gt;&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 1&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R15 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R330 000&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 2&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R5 billion, but less than R15 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 3&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R1 billion, but less than R5 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 4&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R100 million, but less than R1 billion&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 5&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R5 million, but less than R100 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 6&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R1 million, but less than R5 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 7&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R500 000, but less than R1 million&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R2 000&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 8&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt equal or greater than R250 000, but less than R500 000&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R1 500&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;tr&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Category 9&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;Total principal debt less than R250 000&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;td&gt;<br \\/>&lt;p&gt;R1 000&lt;\\/p&gt;<br \\/>&lt;\\/td&gt;<br \\/>&lt;\\/tr&gt;<br \\/>&lt;\\/tbody&gt;<br \\/>&lt;\\/table&gt;<br \\/>&lt;ol&gt;<br \\/>&lt;li&gt;&lt;strong&gt;Providers of developmental credit (Section 41)&lt;\\/strong&gt;&lt;br \\/&gt; A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-<br \\/>&lt;ul&gt;<br \\/>&lt;li&gt;Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.&lt;\\/li&gt;<br \\/>&lt;li&gt;The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:<br \\/>&lt;ul&gt;<br \\/>&lt;li&gt;Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and&lt;\\/li&gt;<br \\/>&lt;li&gt;Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.&lt;\\/li&gt;<br \\/>&lt;\\/ul&gt;<br \\/>&lt;\\/li&gt;<br \\/>&lt;\\/ul&gt;<\\/p>\\r\\n<p>&lt;\\/li&gt;<br \\/>&lt;li&gt; Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0&lt;br \\/&gt; (&lt;a href=\\\"..\\/documents\\/pages\\/registration&amp;amp;compliance\\/credit_providers\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"&gt;Preliminary Developmental credit guidelines&lt;\\/a&gt;)&lt;\\/li&gt;<br \\/>&lt;\\/ol&gt;<\\/p>\\r\\n<p>&lt;p&gt;&lt;strong&gt;&lt;em&gt;For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za&lt;\\/em&gt;&lt;\\/strong&gt;&lt;\\/p&gt;<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:03:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:01:28\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"104\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(556,43,1,'','2020-09-29 15:04:11',915,10107,'09ae771737a628e9afacbafb12ccb49aa9112972','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<ol>\\r\\n<li><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:04:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:03:53\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"105\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(557,43,1,'','2020-09-29 15:05:07',915,10095,'036f4514f955ef5c4ab31163490c8df863014454','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<ol>\\r\\n<li><strong>Providers of developmental credit (Section 41)<\\/strong><br \\/> A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:05:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:04:11\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"106\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(558,96,1,'','2020-09-29 15:06:56',915,1805,'0bf5f3e977b8befc8e241323ecc985179ebf6f59','{\"id\":96,\"asset_id\":236,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-29 15:06:56\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:06:56\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-29 15:06:56\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(559,96,1,'','2020-09-29 15:07:04',915,1827,'60b1c2cf6bc239ef5d6a5d3e09c95bb088f90656','{\"id\":96,\"asset_id\":\"236\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cp\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-29 15:06:56\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:07:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:06:56\",\"publish_up\":\"2020-09-29 15:06:56\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(560,96,1,'','2020-09-29 15:07:52',915,2892,'093ee6cee991b633eb809decf88877427ed8c96c','{\"id\":96,\"asset_id\":\"236\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cp\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-29 15:06:56\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:07:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:07:42\",\"publish_up\":\"2020-09-29 15:06:56\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(561,49,1,'','2020-09-29 15:11:12',915,2556,'d4e17e9a3a0ddd727c14a89e8408599cf67187c4','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:11:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:11:04\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"68\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(562,43,1,'','2020-09-29 15:46:33',915,10099,'73907164b8fed57c09ff087f590b05100ca1dc69','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><strong>Providers of developmental credit (Section 41)<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:46:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:45:15\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"113\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(563,96,1,'','2020-09-29 15:54:39',915,2907,'5fd691f9aeacb1290c4d5ab29cec655dd84879a5','{\"id\":96,\"asset_id\":\"236\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cp\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<ul>\\r\\n<li>stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/li>\\r\\n<li>specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Complete form 10.<\\/a><\\/li>\\r\\n<li>An affidavit\\u00a0or a letter from the accounting officer\\/Auditor confirming the reasons for cancellation and that the loan book balance is zero and or that the loan book has been taken over by another entity (Please mention the entity and their NCRCP number).<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-29 15:06:56\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 15:54:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 15:54:30\",\"publish_up\":\"2020-09-29 15:06:56\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"11\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(564,97,1,'','2020-09-29 16:20:13',915,2870,'ce82131ec7c8790505d71a77321e10c3ef66cf0e','{\"id\":97,\"asset_id\":237,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2020-09-29 16:20:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:20:13\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-29 16:20:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(565,97,1,'','2020-09-29 16:20:24',915,2893,'c1b2bc3fbcb6c973faeb8d34cc1401dda54da321','{\"id\":97,\"asset_id\":\"237\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-pda\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2020-09-29 16:20:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:20:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 16:20:13\",\"publish_up\":\"2020-09-29 16:20:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(566,98,1,'','2020-09-29 16:25:09',915,2870,'d3086b976bea19c9f8e95ef879c2da17ec0e0413','{\"id\":98,\"asset_id\":238,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2020-09-29 16:25:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:25:09\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-29 16:25:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(567,98,1,'','2020-09-29 16:26:00',915,2893,'3ccd2dde6c03e053c59f35dacf9a22a0cbf6e514','{\"id\":98,\"asset_id\":\"238\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-adr\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2020-09-29 16:25:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:26:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 16:25:09\",\"publish_up\":\"2020-09-29 16:25:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(568,53,1,'','2020-09-29 16:28:37',915,2840,'c7fe39f51c27bacd3ad55761f8feedbe56599978','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"Service Provider SA\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/Service Providers SA.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider SA<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR Scope of Work by Independent Auditors\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/0000 NCR SCOPE OF WORK BY INDEPENDANT AUDITOR.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Scope of Work by Independent Auditors\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:28:37\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 16:28:27\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"26\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(569,51,1,'','2020-09-29 16:29:00',915,2119,'1db5ce1b2b3fb5f400a12d4f2718d549e79b4070','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-29 16:29:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-29 16:28:49\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"38\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(573,99,1,'','2020-09-30 07:35:39',915,1805,'8e9da518162223c6674855a1a678a30aae570fc1','{\"id\":99,\"asset_id\":239,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2020-09-30 07:35:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 07:35:39\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-30 07:35:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(574,99,1,'','2020-09-30 07:35:48',915,1827,'5874d9efc2b545b3ba4da2d98e3ee7612af58e61','{\"id\":99,\"asset_id\":\"239\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-dc\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2020-09-30 07:35:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 07:35:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 07:35:39\",\"publish_up\":\"2020-09-30 07:35:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(575,99,1,'','2020-09-30 07:40:17',915,3089,'47c8a9e3f146022e5a0a4ccaa4210bb5d3981fee','{\"id\":99,\"asset_id\":\"239\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-dc\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<ul>\\r\\n<li>stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/li>\\r\\n<li>specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Additional Requirements for voluntary cancellation of registration<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit confirming that you do not have existing customers OR that your consumers have been taken over by another DC (Please mention the Debt Counsellor name and NCRDC registration number).<\\/li>\\r\\n<li>Provide acknowledgement letter from the Debt Counsellor receiving the files.<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<li>Attach to the said notice proof that all the affected consumers, payment distribution agents (PDAs) and all credit bureaux have been notified about the intended cancellation.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2020-09-30 07:35:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 07:40:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 07:35:48\",\"publish_up\":\"2020-09-30 07:35:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(576,50,1,'','2020-09-30 07:42:27',915,2386,'b99a83a70f788f3df27c7e6be3fed5901671bd65','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Debt Counselor<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Annexure_Confirmation_of_payment_of_fees_DC.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 07:42:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 07:42:19\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"41\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(577,40,1,'','2020-09-30 11:30:06',915,9761,'4ff746e840d4d8a4da975353b35f57b74a567250','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative dispute resolution agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 11:30:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 11:29:51\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"53\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(578,40,1,'','2020-09-30 11:32:08',915,9764,'8b2b92ecb5324687373b444b7d4a4cc95c890e4c','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative dispute resolution agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of at least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 11:32:08\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 11:30:06\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"54\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(579,51,1,'','2020-09-30 11:54:10',915,2296,'7d33157e4b622ee08690f610638e60c7524ffe46','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 11:54:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 11:52:17\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"52\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(580,41,1,'','2020-09-30 15:17:20',915,3381,'30185f58ed8a3dc95475126cc363f94723051cf8','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a)<strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><u>(b) Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:17:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:00:36\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"63\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(581,41,1,'','2020-09-30 15:22:29',915,5543,'d9d316c8de218272f68e34b15f20b7f728a03085','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(b) <u>Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(c) <u>Competence<\\/u><\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:22:29\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:17:20\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"64\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(582,41,1,'','2020-09-30 15:29:02',915,7927,'ffba3f6807b73623401bb8c2c6677e628232b836','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(b) <u>Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(c) <u>Competence<\\/u><\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\\r\\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/u><\\/strong><u> <\\/u><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>\\u00a0\\u00a0Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>\\u00a0\\u00a0Initial registration fee of R100\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:29:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:22:29\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"65\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(583,41,1,'','2020-09-30 15:34:17',915,9048,'d9a71d536c6dc0e485f74d59ea5ca9b86757ac2e','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(b) <u>Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(c) <u>Competence<\\/u><\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\\r\\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/u><\\/strong><u> <\\/u><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>\\u00a0\\u00a0Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>\\u00a0\\u00a0Initial registration fee of R100\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>\\u00a0\\u00a0 Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.,<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">(scope of work attached)<\\/a>.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:34:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:29:02\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"66\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(584,41,1,'','2020-09-30 15:36:47',915,9109,'9a3e1f9c112457fe9835f962ff9494e30cd2e8c7','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(b) <u>Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(c) <u>Competence<\\/u><\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\\r\\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/u><\\/strong><u> <\\/u><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>\\u00a0\\u00a0Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>\\u00a0\\u00a0Initial registration fee of R100\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>\\u00a0\\u00a0 Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.,<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">(scope of work attached)<\\/a>.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:36:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:34:17\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"67\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(585,53,1,'','2020-09-30 15:37:33',915,2368,'b4965d574f9c692d85dcade67f9b420c3f54a82a','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:37:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:36:59\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(586,53,1,'','2020-09-30 15:39:44',915,2637,'09c28ec1bbb897ef089cd1bff7cd48ece770801a','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Annexure Confirmation of payment of fees - PDA.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Annexure confirmation of payment of fees \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-30 15:39:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-30 15:37:33\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(614,100,1,'','2020-10-01 14:37:25',915,1897,'041f793dbf966dc0368041e34a464b58ca954a81','{\"id\":100,\"asset_id\":240,\"title\":\"NCR BBBEE CERTIFICATE \",\"alias\":\"ncr-bbbee-certificate-2\",\"introtext\":\"<p><a href=\\\"documents\\/COR07-C - GENERIC NCR BEE Certificate.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2020-10-01 14:37:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 14:37:25\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-01 14:37:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(615,39,1,'','2020-10-01 14:41:49',915,1913,'69c4448bffb8f9f3145197bd8969cc19e539a84f','{\"id\":39,\"asset_id\":\"146\",\"title\":\"NCR BBBEE Certificate\",\"alias\":\"ncr-bbbee-certificate\",\"introtext\":\"<p><a href=\\\"documents\\/COR07-C - GENERIC NCR BEE Certificate.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2019-04-11 09:28:11\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 14:41:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 14:41:11\",\"publish_up\":\"2019-04-11 09:28:11\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"37\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(617,45,1,'','2020-10-01 15:06:56',915,5933,'d92f136313b338c54017a76ab23d5e961855183c','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto marked A<\\/a>. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:06:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:05:32\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(618,45,1,'','2020-10-01 15:10:53',915,6750,'7a153165e36ef9901ea68d15c45119a572bdb412','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:10:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:06:56\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(619,45,1,'','2020-10-01 15:12:24',915,6757,'9dd45b554ea288227a9ca2f2624049f189d9569f','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:12:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:10:53\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"51\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(620,45,1,'','2020-10-01 15:14:36',915,7390,'9457305c05c7d6ef83dca3d8ef72732988fb48c9','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:14:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:12:24\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"53\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(621,45,1,'','2020-10-01 15:19:35',915,8482,'0deccef22755fed46298431f4adf987780aff773','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:19:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:14:36\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":19,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"54\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(622,45,1,'','2020-10-01 15:26:03',915,9566,'a2eeccf2d177f139528ef922ff6aff824feeb5db','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:26:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:19:35\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":20,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"55\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(623,101,1,'','2020-10-01 15:28:19',915,1806,'02a53f03717c144b9dbdc58c822c3c9d9347cf6e','{\"id\":101,\"asset_id\":241,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2020-10-01 15:28:19\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:28:19\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-01 15:28:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(624,101,1,'','2020-10-01 15:29:06',915,2894,'68f9d938b2cb07616d7434b64fb5711fd698cdd2','{\"id\":101,\"asset_id\":\"241\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-rcb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2020-10-01 15:28:19\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:29:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:28:50\",\"publish_up\":\"2020-10-01 15:28:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(625,52,1,'','2020-10-01 15:34:51',915,2509,'29a2601a427c3e823234244a393088cace16f477','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Additional Branch Form.doc\\\"> Application for adding a branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\"> Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Registrant Info Update Form CB.doc\\\">Registrant information update form <\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:34:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:31:20\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(626,52,1,'','2020-10-01 15:35:40',915,2486,'74666fe56224f88b79d39efff076e7fb547b7853','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Additional Branch Form.doc\\\"> Application for adding a branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\"> Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Registrant Info Update Form CB.doc\\\">Registrant information update form <\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:35:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:34:51\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"37\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(627,52,1,'','2020-10-01 15:36:33',915,2493,'4f9869833b889ccffa88dcf31d66145ef4ed6e32','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Additional Branch Form.doc\\\"> Application for adding a branch <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\"> Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Registrant Info Update Form CB.doc\\\">Registrant information update form <\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:36:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:35:40\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"40\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(628,45,1,'','2020-10-01 15:38:16',915,9566,'fbaf0f109906e2a4f5a0bfa3041bbbcf68831f62','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:38:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:38:02\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":23,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(629,45,1,'','2020-10-02 07:50:10',915,9523,'4a5bc46a7398f2a534ea2b27acde4dfc35d58298','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/><br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 07:50:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 07:48:47\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":24,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(630,45,1,'','2020-10-02 07:51:09',915,9707,'7351f6b3e5324a4877c4657582ecaefca2487274','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/><br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<li>An overview of the company\\u2019s strategy and processes around data, including data sources, loading and storage of data, processes with data suppliers and data sources.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 07:51:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 07:50:10\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":25,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"62\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(631,10,5,'','2020-10-02 08:19:27',915,606,'2b9271d3d9dbe14b6abac0c8219547ef3b56447f','{\"id\":10,\"asset_id\":\"89\",\"parent_id\":\"1\",\"lft\":\"15\",\"rgt\":\"16\",\"level\":\"1\",\"path\":\"compliance\",\"extension\":\"com_content\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:19:19\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-14 15:14:31\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-02 08:19:27\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(632,39,5,'','2020-10-02 08:20:03',915,587,'8adee5bf7db099a5400afa296859b7b7505ae717','{\"id\":39,\"asset_id\":242,\"parent_id\":\"1\",\"lft\":\"73\",\"rgt\":74,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Credit Bureau Compliance\",\"alias\":\"credit-bureau-compliance\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2020-10-02 08:20:03\",\"modified_user_id\":null,\"modified_time\":\"2020-10-02 08:20:03\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(633,62,1,'','2020-10-02 08:20:17',915,3793,'9accc69620a8ca4af3184822f561dbbbca9aa93b','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Credit Bureau Compliance\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<h5>Mandate of the Credit Bureau Compliance<\\/h5>\\r\\n<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"39\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 08:20:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:20:07\",\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"74\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(634,7,1,'','2020-10-02 08:33:57',915,5923,'32a32a9b1ccfc8482709d6eaffcbf7eb6257ad2a','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 08:33:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:22:07\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"139\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(635,7,1,'','2020-10-02 08:42:14',915,6063,'19054b1fe0be370070754abf48c52723f076204f','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a>\\r\\n<ul>\\r\\n<li><a href=\\\"#\\\">Language Policy<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a>\\r\\n<ul>\\r\\n<li><a href=\\\"#\\\">Language Policy<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 08:42:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:33:57\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"140\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(636,49,1,'','2020-10-02 11:04:31',915,2923,'2a87fd2db21339b88afeb14ac016992612bf03b8','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registrant Info Update Form CP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Additional Branch Form.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:04:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:01:58\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"75\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(637,49,1,'','2020-10-02 11:06:42',915,2923,'d92b178b07bdadee75ff2865f155f6952b8c4d52','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registrant Info Update Form CP.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:06:42\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:04:31\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"76\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(638,49,1,'','2020-10-02 11:07:43',915,2919,'64a5080f0e264462efdcccbc585721eb778e1a3e','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registrant Info Update Form CP.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:07:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:06:42\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"78\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(639,50,1,'','2020-10-02 11:20:01',915,2760,'2048be789a16f987d042e41370ca7a9f86a560f6','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Debt Counselor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Annexure_Confirmation_of_payment_of_fees_DC.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/REGISTRANT INFORMATION UPDATE FORM DC (2).docx\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:20:01\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:17:32\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"45\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(640,54,1,'','2020-10-02 11:26:05',915,2712,'c84f101fb71ca19333f404c7bf24db14d1545645','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form CB.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:26:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:24:11\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"39\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(641,54,1,'','2020-10-02 11:27:16',915,2722,'793ba6077ef859d57f854ee1d03deec1015f9fb0','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Registrant Info Update Form CB.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:27:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:26:05\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"40\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(642,25,5,'','2020-10-02 11:30:14',915,610,'ed6d3ddbbc7851307e46313f8558d359ab5089ad','{\"id\":25,\"asset_id\":\"149\",\"parent_id\":\"13\",\"lft\":\"24\",\"rgt\":\"25\",\"level\":\"2\",\"path\":\"registrations\\/pda\",\"extension\":\"com_content\",\"title\":\"Payment Distribution Agents\",\"alias\":\"pda\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:30:09\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 10:01:22\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-02 11:30:14\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(643,53,1,'','2020-10-02 11:33:03',915,3112,'f39047c4332d2bc56e30a3b7789bb455ddfb9ce6','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Annexure Confirmation of payment of fees - PDA.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Annexure confirmation of payment of fees \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Registrant Info Update Form PDA.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Information update form \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:33:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:30:29\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(644,24,5,'','2020-10-02 11:38:47',915,620,'d0f95945012212f9de6c9b6ade52721ff2cab289','{\"id\":24,\"asset_id\":\"147\",\"parent_id\":\"13\",\"lft\":\"22\",\"rgt\":\"23\",\"level\":\"2\",\"path\":\"registrations\\/adr\",\"extension\":\"com_content\",\"title\":\"Alternative Dispute Resolution Agents\",\"alias\":\"adr\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:38:38\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 09:43:48\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-02 11:38:47\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(645,40,1,'','2020-10-02 11:39:36',915,9765,'d2f186b7d0681d6773278cf793c87857768fe6a6','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative Dispute Resolution Agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of at least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:39:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:39:14\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(646,40,1,'','2020-10-02 11:39:47',915,9765,'4014c1d5f47b072ce09b6950d88753959b66411f','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an Alternative Dispute Resolution Agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of at least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:39:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:39:41\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(647,51,1,'','2020-10-02 11:45:54',915,2630,'c32ec9087e09970fa5ab8521326ea715a90ccc52','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adrAdditional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:45:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:42:17\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"55\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(648,51,1,'','2020-10-02 11:46:41',915,2632,'7d6d84c925680ce4a81f895c041605f33d5fe7ec','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:46:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:45:54\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(649,7,1,'','2020-10-05 08:38:19',915,5981,'944170210667d73bcab15a4cdbfbd5f85a297469','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Language Policy Review\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-05 08:38:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-05 08:35:40\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"146\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(650,7,1,'','2020-10-06 09:06:41',915,5998,'a880ce7accf9b5680852ac8124a55ecdd630bcc7','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Language Policy Review\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/1st year review language policy.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-06 09:06:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-06 09:05:13\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"149\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(656,102,1,'','2020-10-09 07:56:04',915,4661,'73ef9e62871f77ab5108ae5a90e79684ee374b31','{\"id\":102,\"asset_id\":244,\"title\":\"Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue\",\"alias\":\"media-release-consumer-rights-webinar-consumer-protection-matters-to-come-under-spotlight-during-the-dtic-dialogue\",\"introtext\":\"<p align=\\\"right\\\"><strong>Date: 13 September 2020 <\\/strong><\\/p>\\r\\n<p><strong>Consumer protection matters to come under spotlight during the dtic dialogue<\\/strong><\\/p>\\r\\n<p>Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>) in conjunction with its agencies, the Competition Commission (CompCom), the National Consumer Commission (NCC) and the National Credit Regulator (NCR). The Webinar will take place on Thursday, 17 September 2020 at 14:00.<\\/p>\\r\\n<p>According to the Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina, the dialogue is aimed at educating consumers about consumer rights, more importantly during the COVID-19 pandemic and to outline the regulations that businesses must comply with.<\\/p>\\r\\n<p>She adds that the dialogue will amongst others; explain consumer rights and complaints processes, responsible credit lending, borrowing and spending, price hikes, amendments of the Competition Act and collusive conduct; including the process to report inflated prices.<\\/p>\\r\\n<p>\\u201cThe importance of educating consumers about their rights during the COVID-19 pandemic is critical, as some of the businesses may see an opening to exploit consumers and for unfair competition and practices to thrive amongst others. We want to educate consumers about responsible borrowing and spending, create awareness about the responsible lending by credit providers, update them on the cases under investigation for unfair business trading and create awareness on the steps and processes to follow in reporting price colluding,\\u201d says Gina.<\\/p>\\r\\n<p>Importantly, Gina says the dialogue will afford the panelists an opportunity to share with the audience the various support services, programmes, processes and recourses available to consumers and businesses during the COVID-19 pandemic, and further impress upon the need to keep a healthy credit life during these times.<\\/p>\\r\\n<p>Gina is encouraging consumers to be part of the conversation and acquire knowledge that will protect them from unfair business practices and exploitation.<\\/p>\\r\\n<p>Please click the link below to join the webinar:<br \\/> <a href=\\\"https:\\/\\/gcis.zoom.us\\/j\\/92253505093\\\">https:\\/\\/gcis.zoom.us\\/j\\/92253505093<\\/a><\\/p>\\r\\n<p>Enquiries:<br \\/> Sidwell Medupe-Departmental Spokesperson<br \\/> Tel: (012) 394 1650<br \\/> Mobile: 079 492 1774<br \\/> E-mail: MSMedupe@thedti.gov.za<br \\/> Issued by: The Department of Trade, Industry and Competition<br \\/> Follow us on Twitter:<br \\/> @the_dti<br \\/> @CompComSA<br \\/> @NCC_COVID19<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 07:56:04\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 07:56:04\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 07:56:04\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(657,103,1,'','2020-10-09 08:00:18',915,3784,'a4e9f3eb4a13c2408549668ebc5242e4d0111cc5','{\"id\":103,\"asset_id\":245,\"title\":\"Media advisory cosumer rights webinar -  Consumer protection matters to come under spotlight during the dtic dialogue\",\"alias\":\"media-advisory-cosumer-rights-webinar-consumer-protection-matters-to-come-under-spotlight-during-the-dtic-dialogue\",\"introtext\":\"<p align=\\\"right\\\"><strong>DATE: 16 September 2020 <\\/strong><\\/p>\\r\\n<p><strong>Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/strong><\\/p>\\r\\n<p>Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>) in conjunction with its agencies, the Competition Commission (CompCom), the National Consumer Commission (NCC) and the National Credit Regulator (NCR).<\\/p>\\r\\n<p><strong>Members of the media are invited to the webinar as follows:<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Date:<\\/td>\\r\\n<td>Thursday, 17 September 2020<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Time:<\\/td>\\r\\n<td>14H00<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Venue:<\\/td>\\r\\n<td>GCIS Video link:<a href=\\\"https:\\/\\/gcis.zoom.us\\/j\\/92253505093\\\">https:\\/\\/gcis.zoom.us\\/j\\/92253505093<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>According to the Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina, the dialogue is aimed at educating consumers about consumer rights, more importantly during the COVID-19 pandemic and to outline the regulations that businesses must comply with.<\\/p>\\r\\n<p>Gina is encouraging consumers to be part of the conversation and acquire knowledge that will protect them from unfair business practices and exploitation.<\\/p>\\r\\n<p>Enquiries:<br \\/> Sidwell Medupe-Departmental Spokesperson<br \\/> Tel: (012) 394 1650<br \\/> Mobile: 079 492 1774<br \\/> E-mail: MSMedupe@thedti.gov.za<br \\/> Issued by: The Department of Trade, Industry and Competition<br \\/> Follow us on Twitter:<br \\/> @the_dti <br \\/> @CompComSA<br \\/> @NCC_COVID19<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:00:18\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:00:18\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 08:00:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(658,104,1,'','2020-10-09 08:01:30',915,8076,'2e0277029f8b16c4f67d4be5de61ff507bcd795b','{\"id\":104,\"asset_id\":246,\"title\":\"Covid-19 impact on credit extension\",\"alias\":\"covid-19-impact-on-credit-extension\",\"introtext\":\"<p style=\\\"text-align: right;\\\"><strong>October 2020<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from March 2020 to June 2020. The total value of new credit granted decreased by 56.72% quarter-on-quarter from R126.35 billion to R54.68 billion. The number of credit agreements entered into decreased by 47.73% quarter-on-quarter from 3.93 million to 2.05 million.<\\/p>\\r\\n<p>The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2020:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R25.95 billion (66.65%) quarter-on-quarter and by R27.20 billion (67.69%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R18.57 billion (47.51%) quarter-on-quarter, and by R20.69 billion (50.22%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R9.71billion (50.53%) quarter-on-quarter and by R11.60 billion (54.97%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R15.10 billion (59.64%) quarter-on-quarter and by R18.42 billion (64.32%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2020 was R1.96 trillion, representing a decrease of 0.94% quarter-on-quarter and an increase of 3.09% year-on-year. The trends for outstanding balances for the quarter ended June 2020 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book decreased by R4.26 billion (0.43%) for the quarter ended June 2020 and increased by R25.90 billion (2.70%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book decreased by R4.51 billion (1.01%) for the quarter ended June 2020 and increased by R7.63 billion (1.75%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book decreased by R6.96 billion (2.64%) for the quarter ended June 2020 and increased by R7.42 billion (2.97%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R2.97 billion (1.33%) for the quarter ended June 2020 and increased by R15.24 billion (7.41%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 26.96 million credit-active consumers, which showed a decrease of 3.69% when compared to the 27.99 million in the previous quarter. Consumers classified in good standing decreased by 559,318 to 16.96 million consumers. This amounts to 62.90% of the total number of credit-active consumers, a decrease of 3.19% quarter-on-quarter and 3.65% year-on-year. The number of credit active accounts decreased from 85.99 million to 85.23 million in the quarter ended June 2020. The number of impaired accounts has increased from 19.88 million (23.12%) to 20.66 million (24.24%) in June 2020, an increase of 779,707 quarter-on-quarter and 506,836 year-on-year.<\\/p>\\r\\n<p>The number of credit reports issued to consumers decreased from 240,688 to 217,743. A total of 199,977 (91.84%) credit reports were issued free of charge, and the balance of 17,766 (8.16%) were issued at a cost. There were 29,017 disputes lodged on information held on consumer credit records for the quarter ended June 2020, a decrease of 26.67% quarter-on-quarter and 21.66% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR advises consumers battling to keep up with their payments to contact their credit providers first to negotiate for lower instalments or some kind of relief to assist them with their debts. If this fails, consumers are further advised to approach registered debt counsellors for assistance. Motshegare further advised that consumers who have credit life insurance should make a claim against their credit life insurance. Credit life insurance is an insurance that a consumer purchases when applying for credit or loan. It covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. In the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle \\/ pay the consumer\\u2019s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers can contact the NCR on 0860 627 627 \\/ www.ncr.org.za for additional information.<\\/p>\\r\\n<p><strong>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March 2020 and June 2020 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2019 and June 2020 quarters.<\\/strong><\\/p>\\r\\n<p style=\\\"text-align: center;\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p>About The National Credit Regulator<br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p style=\\\"text-align: center;\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Media Office:\\u00a0<a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Or<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">064 752 3926<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:01:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:01:30\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 08:01:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(660,105,1,'','2020-10-09 08:13:21',915,1756,'0266be80fcd0f0e4cc2a79491e0c815cde782619','{\"id\":105,\"asset_id\":247,\"title\":\"latest news\",\"alias\":\"latest-news-more\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:13:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:13:21\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 08:13:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(661,105,1,'','2020-10-09 08:14:03',915,1851,'27945c638867ecc9a9b821b3d67eca243cb06b5b','{\"id\":105,\"asset_id\":\"247\",\"title\":\"latest news\",\"alias\":\"latest-news-more\",\"introtext\":\"<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:13:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:14:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-09 08:13:21\",\"publish_up\":\"2020-10-09 08:13:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(662,105,1,'','2020-10-09 08:15:24',915,1851,'8e5ceefec55cb1cdd4728f84d36c48b70073b43d','{\"id\":105,\"asset_id\":\"247\",\"title\":\"latest news\",\"alias\":\"latest-news-more\",\"introtext\":\"<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2020-10-09 08:13:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:15:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-09 08:15:19\",\"publish_up\":\"2020-10-09 08:13:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(665,15,5,'','2020-10-09 11:31:58',915,644,'3130657e549efb8bb36409ecc3356b02f047dd27','{\"id\":15,\"asset_id\":\"100\",\"parent_id\":\"1\",\"lft\":\"37\",\"rgt\":\"38\",\"level\":\"1\",\"path\":\"education-and-communications\",\"extension\":\"com_content\",\"title\":\"Education and Communication\",\"alias\":\"education-and-communications\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-09 11:31:54\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:29:30\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-09 11:31:58\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(673,77,1,'','2020-10-12 13:34:11',915,3339,'9f32d9de69186e1bd3939fd402ce176a841f8f11','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=84&amp;catid=24\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=28\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>\\u00a0<\\/h5>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:34:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:32:13\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0);
INSERT INTO `zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (674,77,1,'','2020-10-12 13:35:30',915,3858,'5c4ecec9f60b7667a922425eda12cabccefae1b2','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=84&amp;catid=24\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=28\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">Registration as a Credit Provider<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=82&amp;catid=27\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:35:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:34:11\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"57\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(675,77,1,'','2020-10-12 13:37:14',915,4391,'be6b263d649712aaf1fb792bc2f79fe1f1503807','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=84&amp;catid=24\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=28\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">Registration as a Credit Provider<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=82&amp;catid=27\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">Registration as a Debt Counsellor<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=83&amp;catid=26\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:37:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:35:30\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(676,77,1,'','2020-10-12 13:39:28',915,4965,'8c6d54c79a5513eebd95d459485d3a6ed986ba82','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=84&amp;catid=24\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=28\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">Registration as a Credit Provider<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=82&amp;catid=27\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">Registration as a Debt Counsellor<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=83&amp;catid=26\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Payment Distribution Agents<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">Registration as a Payment Distribution Agents<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=85&amp;catid=25\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:39:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:37:14\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(677,77,1,'','2020-10-12 13:43:14',915,4786,'f7e5ca185360b5b59a41ec7ea53da37917bc260f','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">Registration as a Credit Provider<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">Registration as a Debt Counsellor<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Payment Distribution Agents<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">Registration as a Payment Distribution Agents<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Reseller Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">Registration as a Reseller Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:43:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:39:28\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(694,78,1,'','2020-10-13 14:38:20',915,18051,'4bbb7291779ffa6e538e771c1d16f7005f95e85f','{\"id\":78,\"asset_id\":\"216\",\"title\":\"Education and Communication \",\"alias\":\"education-and-communication\",\"introtext\":\"<h5>Mandate of the Education and Communication Department<\\/h5>\\r\\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\\u2019s website and targeted awareness campaigns to mention a few<\\/p>\\r\\n<h5>Services offered<\\/h5>\\r\\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\\u2019s services for education purposes are free of charge for all consumers around the country.<\\/p>\\r\\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \\u2013 0860 627 627 or use the below contact details.<\\/p>\\r\\n<h5>Requests for Educational Activities and Media Relations<\\/h5>\\r\\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \\u2013 <a href=\\\"mailto:jgolele@ncr.org.za\\\">jgolele@ncr.org.za<\\/a><br \\/> Workshops \\u2013 <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> Media \\u2013 <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22&amp;catid=15\\\">Click here to view over-Indebtedness<\\/a><\\/p>\\r\\n<h5>What is over-indebtedness?<\\/h5>\\r\\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\\/p>\\r\\n<h5>What are some of the indicators of over-indebtedness?<\\/h5>\\r\\n<ul>\\r\\n<li>borrows money to pay other loans;<\\/li>\\r\\n<li>skips payments on some accounts in order to pay others;<\\/li>\\r\\n<li>receives letters of demand and\\/or summonses from creditors;<\\/li>\\r\\n<li>is thinking of being placed under debt administration or debt counselling;<\\/li>\\r\\n<li>has judgments passed against him\\/her;<\\/li>\\r\\n<li>is always absent from work, especially towards month end;<\\/li>\\r\\n<li>regularly feels emotionally stressed about money matters; and<\\/li>\\r\\n<li>is regularly losing money to rip-offs and frauds.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>What are the causes of over-indebtedness?<\\/h5>\\r\\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\\/p>\\r\\n<ul>\\r\\n<li>Indulgence \\u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\\/li>\\r\\n<li>Ignorance of financial products \\u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\\/li>\\r\\n<li>Lack of proper planning<\\/li>\\r\\n<li>Social pressures \\u2013 peer, family<\\/li>\\r\\n<li>Change in circumstances \\u2013 divorce, retrenchment, death, etc.<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Economic upswing \\u2013 increasing interest rates<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Overcoming over indebtedness &amp; personal financial management<\\/h5>\\r\\n<h5><em>TIP # 1 Don\\u2019t ignore your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Know how much is coming in, and how much is going out;<\\/li>\\r\\n<li>List all the people you owe, including friends, family, neighbours etc;<\\/li>\\r\\n<li>Get a copy of your credit bureau record \\u2013 free of charge;<\\/li>\\r\\n<li>Keep in touch with your bank statement \\u2013 track all the deductions;<\\/li>\\r\\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\\/li>\\r\\n<li>Don\\u2019t be threatened or bullied into promising to pay what you don\\u2019t have; and<\\/li>\\r\\n<li>Review your budget regularly.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 2 Prioritise your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Pay your essential expenses first \\u2013 electricity, rent, insurance;<\\/li>\\r\\n<li>Then pay your day-to-day expenses like transport and food;<\\/li>\\r\\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\\/li>\\r\\n<li>Seek expert advice before selling \\/ cancelling anything;<\\/li>\\r\\n<li>Don\\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 3 Don\\u2019t borrow to pay off debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Credit creates more debt, don\\u2019t borrow more to pay existing debts;<\\/li>\\r\\n<li>Don\\u2019t buy food on credit;<\\/li>\\r\\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\\/li>\\r\\n<li>Be very cautious when considering to take a consolidation loan<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 4 Cut down on your expenses<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Cut down on luxury items \\u2013 entertainment; TV subscriptions, holidays etc;<\\/li>\\r\\n<li>Make a list of \\u201cwants\\u201d and \\u201cneeds\\u201d and focus on needs;<\\/li>\\r\\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\\/li>\\r\\n<li>Consider early settlement so that you can save on interest and other cost; and<\\/li>\\r\\n<li>Review your insurance policies from time to time \\u2013 use an independent financial advisor.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 5 Don\\u2019t wait until goods are repossessed<\\/em><\\/h5>\\r\\n<h5><em>TIP # 6 Start saving<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Put aside some money for unforeseen circumstances;<\\/li>\\r\\n<li>Be consistent, save every month \\u2013 no matter how small the amount is.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\\\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\\\">click here for more information<\\/a>)<\\/em><\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\r\\n<h5>About credit information<\\/h5>\\r\\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\\/p>\\r\\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\\/p>\\r\\n<h5>How to access your credit report<\\/h5>\\r\\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\\/p>\\r\\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>CompuScan<\\/td>\\r\\n<td>0861 514 131<\\/td>\\r\\n<td><a href=\\\"www.compuscan.co.za\\\">www.compuscan.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Experian<\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<td><a href=\\\"www.experian.co.za\\\">www.experian.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>TransUnion<\\/td>\\r\\n<td>0861 886 466<\\/td>\\r\\n<td><a href=\\\"www.transunion.co.za\\\">www.transunion.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>XDS<\\/td>\\r\\n<td>0860 937 000<\\/td>\\r\\n<td><a href=\\\"www.xds.co.za\\\">www.xds.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\\/p>\\r\\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\\/p>\\r\\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\\/p>\\r\\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\\/h5>\\r\\n<p>Below is a table on retention periods:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Details and results of complaints lodged by consumers<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity \\/ person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Factual information pertaining to the payment profile of the consumer<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Subjective classifications of consumer behaviour\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Classification related to enforcement action taken by the credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Debt restructuring <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per section 86 of the Act,<br \\/> an order given by the Court<br \\/> or Tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Civil court Judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Civil court Judgments including default court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>The earlier of 5 years or<br \\/> until the judgment is<br \\/> rescinded by a court or<br \\/> abandoned by the credit<br \\/> provider in terms of section<br \\/> 86 of the Magistrates Courts<br \\/> Act 32 of 1944 or within the<br \\/> period prescribed in section<br \\/> 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Maintenance judgments<\\/strong><br \\/> <strong>in terms of the Maintenance<\\/strong><br \\/> <strong>Act 99 of 1998<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>until the judgment is<br \\/> rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Administration Orders<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years or until order is<br \\/> rescinded by court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Sequestrations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5years or until rehabilitation<br \\/> order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>10<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Liquidations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Unlimited periods<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>11<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>THE RIGHT TO APPLY FOR CREDIT<\\/h5>\\r\\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\\/p>\\r\\n<h5>THE RIGHT TO DISCLOSURE<\\/h5>\\r\\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\\/p>\\r\\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\\/p>\\r\\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\\/strong>.<\\/p>\\r\\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\\/h5>\\r\\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\\/p>\\r\\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\\/h5>\\r\\n<p>You have the right:<\\/p>\\r\\n<ol>\\r\\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\\/li>\\r\\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\\u00a0 of R20 excluding Vat for any further records;<\\/li>\\r\\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\\/li>\\r\\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 14:38:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:32:36\",\"publish_up\":\"2020-07-14 15:37:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":26,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"87\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(695,78,1,'','2020-10-13 14:44:59',915,18730,'627a49e4be1f499145cb518f974cd7e410df0837','{\"id\":78,\"asset_id\":\"216\",\"title\":\"Education and Communication \",\"alias\":\"education-and-communication\",\"introtext\":\"<h5>Mandate of the Education and Communication Department<\\/h5>\\r\\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\\u2019s website and targeted awareness campaigns to mention a few<\\/p>\\r\\n<h5>Services offered<\\/h5>\\r\\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\\u2019s services for education purposes are free of charge for all consumers around the country.<\\/p>\\r\\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \\u2013 0860 627 627 or use the below contact details.<\\/p>\\r\\n<h5>Requests for Educational Activities and Media Relations<\\/h5>\\r\\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \\u2013 <a href=\\\"mailto:jgolele@ncr.org.za\\\">jgolele@ncr.org.za<\\/a><br \\/> Workshops \\u2013 <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> Media \\u2013 <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22&amp;catid=15\\\">Click here to view over-Indebtedness<\\/a><\\/p>\\r\\n<h5>What is over-indebtedness?<\\/h5>\\r\\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\\/p>\\r\\n<h5>What are some of the indicators of over-indebtedness?<\\/h5>\\r\\n<ul>\\r\\n<li>borrows money to pay other loans;<\\/li>\\r\\n<li>skips payments on some accounts in order to pay others;<\\/li>\\r\\n<li>receives letters of demand and\\/or summonses from creditors;<\\/li>\\r\\n<li>is thinking of being placed under debt administration or debt counselling;<\\/li>\\r\\n<li>has judgments passed against him\\/her;<\\/li>\\r\\n<li>is always absent from work, especially towards month end;<\\/li>\\r\\n<li>regularly feels emotionally stressed about money matters; and<\\/li>\\r\\n<li>is regularly losing money to rip-offs and frauds.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>What are the causes of over-indebtedness?<\\/h5>\\r\\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\\/p>\\r\\n<ul>\\r\\n<li>Indulgence \\u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\\/li>\\r\\n<li>Ignorance of financial products \\u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\\/li>\\r\\n<li>Lack of proper planning<\\/li>\\r\\n<li>Social pressures \\u2013 peer, family<\\/li>\\r\\n<li>Change in circumstances \\u2013 divorce, retrenchment, death, etc.<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Economic upswing \\u2013 increasing interest rates<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Overcoming over indebtedness &amp; personal financial management<\\/h5>\\r\\n<h5><em>TIP # 1 Don\\u2019t ignore your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Know how much is coming in, and how much is going out;<\\/li>\\r\\n<li>List all the people you owe, including friends, family, neighbours etc;<\\/li>\\r\\n<li>Get a copy of your credit bureau record \\u2013 free of charge;<\\/li>\\r\\n<li>Keep in touch with your bank statement \\u2013 track all the deductions;<\\/li>\\r\\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\\/li>\\r\\n<li>Don\\u2019t be threatened or bullied into promising to pay what you don\\u2019t have; and<\\/li>\\r\\n<li>Review your budget regularly.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 2 Prioritise your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Pay your essential expenses first \\u2013 electricity, rent, insurance;<\\/li>\\r\\n<li>Then pay your day-to-day expenses like transport and food;<\\/li>\\r\\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\\/li>\\r\\n<li>Seek expert advice before selling \\/ cancelling anything;<\\/li>\\r\\n<li>Don\\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 3 Don\\u2019t borrow to pay off debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Credit creates more debt, don\\u2019t borrow more to pay existing debts;<\\/li>\\r\\n<li>Don\\u2019t buy food on credit;<\\/li>\\r\\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\\/li>\\r\\n<li>Be very cautious when considering to take a consolidation loan<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 4 Cut down on your expenses<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Cut down on luxury items \\u2013 entertainment; TV subscriptions, holidays etc;<\\/li>\\r\\n<li>Make a list of \\u201cwants\\u201d and \\u201cneeds\\u201d and focus on needs;<\\/li>\\r\\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\\/li>\\r\\n<li>Consider early settlement so that you can save on interest and other cost; and<\\/li>\\r\\n<li>Review your insurance policies from time to time \\u2013 use an independent financial advisor.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 5 Don\\u2019t wait until goods are repossessed<\\/em><\\/h5>\\r\\n<h5><em>TIP # 6 Start saving<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Put aside some money for unforeseen circumstances;<\\/li>\\r\\n<li>Be consistent, save every month \\u2013 no matter how small the amount is.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\\\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\\\">click here for more information<\\/a>)<\\/em><\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\r\\n<h5>About credit information<\\/h5>\\r\\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\\/p>\\r\\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\\/p>\\r\\n<h5>How to access your credit report<\\/h5>\\r\\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\\/p>\\r\\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>CompuScan<\\/td>\\r\\n<td>0861 514 131<\\/td>\\r\\n<td><a href=\\\"www.compuscan.co.za\\\">www.compuscan.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Experian<\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<td><a href=\\\"www.experian.co.za\\\">www.experian.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>TransUnion<\\/td>\\r\\n<td>0861 886 466<\\/td>\\r\\n<td><a href=\\\"www.transunion.co.za\\\">www.transunion.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>XDS<\\/td>\\r\\n<td>0860 937 000<\\/td>\\r\\n<td><a href=\\\"www.xds.co.za\\\">www.xds.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\\/p>\\r\\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\\/p>\\r\\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\\/p>\\r\\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\\/h5>\\r\\n<p>Below is a table on retention periods:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Details and results of complaints lodged by consumers<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity \\/ person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Factual information pertaining to the payment profile of the consumer<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Subjective classifications of consumer behaviour\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Classification related to enforcement action taken by the credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Debt restructuring <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per section 86 of the Act,<br \\/> an order given by the Court<br \\/> or Tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Civil court Judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Civil court Judgments including default court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>The earlier of 5 years or<br \\/> until the judgment is<br \\/> rescinded by a court or<br \\/> abandoned by the credit<br \\/> provider in terms of section<br \\/> 86 of the Magistrates Courts<br \\/> Act 32 of 1944 or within the<br \\/> period prescribed in section<br \\/> 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Maintenance judgments<\\/strong><br \\/> <strong>in terms of the Maintenance<\\/strong><br \\/> <strong>Act 99 of 1998<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>until the judgment is<br \\/> rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Administration Orders<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years or until order is<br \\/> rescinded by court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Sequestrations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5years or until rehabilitation<br \\/> order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>10<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Liquidations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Unlimited periods<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>11<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>THE RIGHT TO APPLY FOR CREDIT<\\/h5>\\r\\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\\/p>\\r\\n<h5>THE RIGHT TO DISCLOSURE<\\/h5>\\r\\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\\/p>\\r\\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\\/p>\\r\\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\\/strong>.<\\/p>\\r\\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\\/h5>\\r\\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\\/p>\\r\\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\\/h5>\\r\\n<p>You have the right:<\\/p>\\r\\n<ol>\\r\\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\\/li>\\r\\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\\u00a0 of R20 excluding Vat for any further records;<\\/li>\\r\\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\\/li>\\r\\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\\/li>\\r\\n<\\/ol>\\r\\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED<\\/h5>\\r\\n<p>If you experience problems with servicing your debts take the following steps:<\\/p>\\r\\n<ol>\\r\\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;<\\/li>\\r\\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\\\">Click here to view consumer Tips<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 14:44:59\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:38:20\",\"publish_up\":\"2020-07-14 15:37:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":27,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"88\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(696,37,1,'','2020-10-13 14:46:04',915,2769,'4d1af6b95a3389b3be5c5168d655cac479930a9f','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<p><a style=\\\"line-height: 15.8079996109009px;\\\" href=\\\"newsletters\\/01\\/MAMA%20SIZA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" width=\\\"524\\\" height=\\\"741\\\" \\/><\\/a><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"&lt;img src=\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/>\\\" alt=\\\"\\\" \\/&gt;<\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 14:46:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:45:52\",\"publish_up\":\"2019-04-04 13:47:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(697,78,1,'','2020-10-13 14:50:30',915,18896,'0c61a6698fac879c5a527368afe8f233018905af','{\"id\":78,\"asset_id\":\"216\",\"title\":\"Education and Communication \",\"alias\":\"education-and-communication\",\"introtext\":\"<h5>Mandate of the Education and Communication Department<\\/h5>\\r\\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\\u2019s website and targeted awareness campaigns to mention a few<\\/p>\\r\\n<h5>Services offered<\\/h5>\\r\\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\\u2019s services for education purposes are free of charge for all consumers around the country.<\\/p>\\r\\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \\u2013 0860 627 627 or use the below contact details.<\\/p>\\r\\n<h5>Requests for Educational Activities and Media Relations<\\/h5>\\r\\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \\u2013 <a href=\\\"mailto:jgolele@ncr.org.za\\\">jgolele@ncr.org.za<\\/a><br \\/> Workshops \\u2013 <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> Media \\u2013 <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22&amp;catid=15\\\">Click here to view over-Indebtedness<\\/a><\\/p>\\r\\n<h5>What is over-indebtedness?<\\/h5>\\r\\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\\/p>\\r\\n<h5>What are some of the indicators of over-indebtedness?<\\/h5>\\r\\n<ul>\\r\\n<li>borrows money to pay other loans;<\\/li>\\r\\n<li>skips payments on some accounts in order to pay others;<\\/li>\\r\\n<li>receives letters of demand and\\/or summonses from creditors;<\\/li>\\r\\n<li>is thinking of being placed under debt administration or debt counselling;<\\/li>\\r\\n<li>has judgments passed against him\\/her;<\\/li>\\r\\n<li>is always absent from work, especially towards month end;<\\/li>\\r\\n<li>regularly feels emotionally stressed about money matters; and<\\/li>\\r\\n<li>is regularly losing money to rip-offs and frauds.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>What are the causes of over-indebtedness?<\\/h5>\\r\\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\\/p>\\r\\n<ul>\\r\\n<li>Indulgence \\u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\\/li>\\r\\n<li>Ignorance of financial products \\u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\\/li>\\r\\n<li>Lack of proper planning<\\/li>\\r\\n<li>Social pressures \\u2013 peer, family<\\/li>\\r\\n<li>Change in circumstances \\u2013 divorce, retrenchment, death, etc.<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Economic upswing \\u2013 increasing interest rates<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Overcoming over indebtedness &amp; personal financial management<\\/h5>\\r\\n<h5><em>TIP # 1 Don\\u2019t ignore your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Know how much is coming in, and how much is going out;<\\/li>\\r\\n<li>List all the people you owe, including friends, family, neighbours etc;<\\/li>\\r\\n<li>Get a copy of your credit bureau record \\u2013 free of charge;<\\/li>\\r\\n<li>Keep in touch with your bank statement \\u2013 track all the deductions;<\\/li>\\r\\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\\/li>\\r\\n<li>Don\\u2019t be threatened or bullied into promising to pay what you don\\u2019t have; and<\\/li>\\r\\n<li>Review your budget regularly.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 2 Prioritise your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Pay your essential expenses first \\u2013 electricity, rent, insurance;<\\/li>\\r\\n<li>Then pay your day-to-day expenses like transport and food;<\\/li>\\r\\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\\/li>\\r\\n<li>Seek expert advice before selling \\/ cancelling anything;<\\/li>\\r\\n<li>Don\\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 3 Don\\u2019t borrow to pay off debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Credit creates more debt, don\\u2019t borrow more to pay existing debts;<\\/li>\\r\\n<li>Don\\u2019t buy food on credit;<\\/li>\\r\\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\\/li>\\r\\n<li>Be very cautious when considering to take a consolidation loan<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 4 Cut down on your expenses<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Cut down on luxury items \\u2013 entertainment; TV subscriptions, holidays etc;<\\/li>\\r\\n<li>Make a list of \\u201cwants\\u201d and \\u201cneeds\\u201d and focus on needs;<\\/li>\\r\\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\\/li>\\r\\n<li>Consider early settlement so that you can save on interest and other cost; and<\\/li>\\r\\n<li>Review your insurance policies from time to time \\u2013 use an independent financial advisor.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 5 Don\\u2019t wait until goods are repossessed<\\/em><\\/h5>\\r\\n<h5><em>TIP # 6 Start saving<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Put aside some money for unforeseen circumstances;<\\/li>\\r\\n<li>Be consistent, save every month \\u2013 no matter how small the amount is.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\\\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\\\">click here for more information<\\/a>)<\\/em><\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\r\\n<h5>About credit information<\\/h5>\\r\\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\\/p>\\r\\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\\/p>\\r\\n<h5>How to access your credit report<\\/h5>\\r\\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\\/p>\\r\\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>CompuScan<\\/td>\\r\\n<td>0861 514 131<\\/td>\\r\\n<td><a href=\\\"www.compuscan.co.za\\\">www.compuscan.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Experian<\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<td><a href=\\\"www.experian.co.za\\\">www.experian.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>TransUnion<\\/td>\\r\\n<td>0861 886 466<\\/td>\\r\\n<td><a href=\\\"www.transunion.co.za\\\">www.transunion.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>XDS<\\/td>\\r\\n<td>0860 937 000<\\/td>\\r\\n<td><a href=\\\"www.xds.co.za\\\">www.xds.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\\/p>\\r\\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\\/p>\\r\\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\\/p>\\r\\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\\/h5>\\r\\n<p>Below is a table on retention periods:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Details and results of complaints lodged by consumers<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity \\/ person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Factual information pertaining to the payment profile of the consumer<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Subjective classifications of consumer behaviour\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Classification related to enforcement action taken by the credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Debt restructuring <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per section 86 of the Act,<br \\/> an order given by the Court<br \\/> or Tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Civil court Judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Civil court Judgments including default court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>The earlier of 5 years or<br \\/> until the judgment is<br \\/> rescinded by a court or<br \\/> abandoned by the credit<br \\/> provider in terms of section<br \\/> 86 of the Magistrates Courts<br \\/> Act 32 of 1944 or within the<br \\/> period prescribed in section<br \\/> 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Maintenance judgments<\\/strong><br \\/> <strong>in terms of the Maintenance<\\/strong><br \\/> <strong>Act 99 of 1998<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>until the judgment is<br \\/> rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Administration Orders<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years or until order is<br \\/> rescinded by court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Sequestrations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5years or until rehabilitation<br \\/> order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>10<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Liquidations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Unlimited periods<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>11<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>THE RIGHT TO APPLY FOR CREDIT<\\/h5>\\r\\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\\/p>\\r\\n<h5>THE RIGHT TO DISCLOSURE<\\/h5>\\r\\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\\/p>\\r\\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\\/p>\\r\\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\\/strong>.<\\/p>\\r\\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\\/h5>\\r\\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\\/p>\\r\\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\\/h5>\\r\\n<p>You have the right:<\\/p>\\r\\n<ol>\\r\\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\\/li>\\r\\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\\u00a0 of R20 excluding Vat for any further records;<\\/li>\\r\\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\\/li>\\r\\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\\/li>\\r\\n<\\/ol>\\r\\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED<\\/h5>\\r\\n<p>If you experience problems with servicing your debts take the following steps:<\\/p>\\r\\n<ol>\\r\\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;<\\/li>\\r\\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\\\">Click here to view consumer Tips<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=71&amp;catid=20\\\">Click here for Campaigns<\\/a><\\/p>\\r\\n<p><a>Click here for brochures<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 14:50:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:50:24\",\"publish_up\":\"2020-07-14 15:37:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":29,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"89\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(698,78,1,'','2020-10-13 14:52:53',915,18974,'483bbb8e32bf50736e7a4f7bb38acbdd0084ef41','{\"id\":78,\"asset_id\":\"216\",\"title\":\"Education and Communication \",\"alias\":\"education-and-communication\",\"introtext\":\"<h5>Mandate of the Education and Communication Department<\\/h5>\\r\\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\\u2019s website and targeted awareness campaigns to mention a few<\\/p>\\r\\n<h5>Services offered<\\/h5>\\r\\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\\u2019s services for education purposes are free of charge for all consumers around the country.<\\/p>\\r\\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \\u2013 0860 627 627 or use the below contact details.<\\/p>\\r\\n<h5>Requests for Educational Activities and Media Relations<\\/h5>\\r\\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \\u2013 <a href=\\\"mailto:jgolele@ncr.org.za\\\">jgolele@ncr.org.za<\\/a><br \\/> Workshops \\u2013 <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> Media \\u2013 <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22&amp;catid=15\\\">Click here to view over-Indebtedness<\\/a><\\/p>\\r\\n<h5>What is over-indebtedness?<\\/h5>\\r\\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\\/p>\\r\\n<h5>What are some of the indicators of over-indebtedness?<\\/h5>\\r\\n<ul>\\r\\n<li>borrows money to pay other loans;<\\/li>\\r\\n<li>skips payments on some accounts in order to pay others;<\\/li>\\r\\n<li>receives letters of demand and\\/or summonses from creditors;<\\/li>\\r\\n<li>is thinking of being placed under debt administration or debt counselling;<\\/li>\\r\\n<li>has judgments passed against him\\/her;<\\/li>\\r\\n<li>is always absent from work, especially towards month end;<\\/li>\\r\\n<li>regularly feels emotionally stressed about money matters; and<\\/li>\\r\\n<li>is regularly losing money to rip-offs and frauds.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>What are the causes of over-indebtedness?<\\/h5>\\r\\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\\/p>\\r\\n<ul>\\r\\n<li>Indulgence \\u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\\/li>\\r\\n<li>Ignorance of financial products \\u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\\/li>\\r\\n<li>Lack of proper planning<\\/li>\\r\\n<li>Social pressures \\u2013 peer, family<\\/li>\\r\\n<li>Change in circumstances \\u2013 divorce, retrenchment, death, etc.<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Economic upswing \\u2013 increasing interest rates<\\/li>\\r\\n<\\/ul>\\r\\n<h5>Overcoming over indebtedness &amp; personal financial management<\\/h5>\\r\\n<h5><em>TIP # 1 Don\\u2019t ignore your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Know how much is coming in, and how much is going out;<\\/li>\\r\\n<li>List all the people you owe, including friends, family, neighbours etc;<\\/li>\\r\\n<li>Get a copy of your credit bureau record \\u2013 free of charge;<\\/li>\\r\\n<li>Keep in touch with your bank statement \\u2013 track all the deductions;<\\/li>\\r\\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\\/li>\\r\\n<li>Don\\u2019t be threatened or bullied into promising to pay what you don\\u2019t have; and<\\/li>\\r\\n<li>Review your budget regularly.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 2 Prioritise your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Pay your essential expenses first \\u2013 electricity, rent, insurance;<\\/li>\\r\\n<li>Then pay your day-to-day expenses like transport and food;<\\/li>\\r\\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\\/li>\\r\\n<li>Seek expert advice before selling \\/ cancelling anything;<\\/li>\\r\\n<li>Don\\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 3 Don\\u2019t borrow to pay off debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Credit creates more debt, don\\u2019t borrow more to pay existing debts;<\\/li>\\r\\n<li>Don\\u2019t buy food on credit;<\\/li>\\r\\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\\/li>\\r\\n<li>Be very cautious when considering to take a consolidation loan<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 4 Cut down on your expenses<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Cut down on luxury items \\u2013 entertainment; TV subscriptions, holidays etc;<\\/li>\\r\\n<li>Make a list of \\u201cwants\\u201d and \\u201cneeds\\u201d and focus on needs;<\\/li>\\r\\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\\/li>\\r\\n<li>Consider early settlement so that you can save on interest and other cost; and<\\/li>\\r\\n<li>Review your insurance policies from time to time \\u2013 use an independent financial advisor.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 5 Don\\u2019t wait until goods are repossessed<\\/em><\\/h5>\\r\\n<h5><em>TIP # 6 Start saving<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Put aside some money for unforeseen circumstances;<\\/li>\\r\\n<li>Be consistent, save every month \\u2013 no matter how small the amount is.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\\\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\\\">click here for more information<\\/a>)<\\/em><\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\r\\n<h5>About credit information<\\/h5>\\r\\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\\/p>\\r\\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\\/p>\\r\\n<h5>How to access your credit report<\\/h5>\\r\\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\\/p>\\r\\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>CompuScan<\\/td>\\r\\n<td>0861 514 131<\\/td>\\r\\n<td><a href=\\\"www.compuscan.co.za\\\">www.compuscan.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Experian<\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<td><a href=\\\"www.experian.co.za\\\">www.experian.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>TransUnion<\\/td>\\r\\n<td>0861 886 466<\\/td>\\r\\n<td><a href=\\\"www.transunion.co.za\\\">www.transunion.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>XDS<\\/td>\\r\\n<td>0860 937 000<\\/td>\\r\\n<td><a href=\\\"www.xds.co.za\\\">www.xds.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\\/p>\\r\\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\\/p>\\r\\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\\/p>\\r\\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\\/h5>\\r\\n<p>Below is a table on retention periods:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Details and results of complaints lodged by consumers<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity \\/ person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Factual information pertaining to the payment profile of the consumer<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Subjective classifications of consumer behaviour\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Classification related to enforcement action taken by the credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Debt restructuring <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per section 86 of the Act,<br \\/> an order given by the Court<br \\/> or Tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Civil court Judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Civil court Judgments including default court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>The earlier of 5 years or<br \\/> until the judgment is<br \\/> rescinded by a court or<br \\/> abandoned by the credit<br \\/> provider in terms of section<br \\/> 86 of the Magistrates Courts<br \\/> Act 32 of 1944 or within the<br \\/> period prescribed in section<br \\/> 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Maintenance judgments<\\/strong><br \\/> <strong>in terms of the Maintenance<\\/strong><br \\/> <strong>Act 99 of 1998<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>until the judgment is<br \\/> rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Administration Orders<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years or until order is<br \\/> rescinded by court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Sequestrations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5years or until rehabilitation<br \\/> order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>10<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Liquidations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Unlimited periods<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>11<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>THE RIGHT TO APPLY FOR CREDIT<\\/h5>\\r\\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\\/p>\\r\\n<h5>THE RIGHT TO DISCLOSURE<\\/h5>\\r\\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\\/p>\\r\\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\\/p>\\r\\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\\/strong>.<\\/p>\\r\\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\\/h5>\\r\\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\\/p>\\r\\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\\/h5>\\r\\n<p>You have the right:<\\/p>\\r\\n<ol>\\r\\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\\/li>\\r\\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\\u00a0 of R20 excluding Vat for any further records;<\\/li>\\r\\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\\/li>\\r\\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\\/li>\\r\\n<\\/ol>\\r\\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED<\\/h5>\\r\\n<p>If you experience problems with servicing your debts take the following steps:<\\/p>\\r\\n<ol>\\r\\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;<\\/li>\\r\\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\\\">Click here to view consumer Tips<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=71&amp;catid=20\\\">Click here for Campaigns<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=33&amp;catid=20\\\">Click here for Brochures<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 14:52:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:52:46\",\"publish_up\":\"2020-07-14 15:37:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":31,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"89\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(699,78,1,'','2020-10-13 14:57:03',915,18974,'7b350a7435b3a6f3c849be80eab9f0d0d253546d','{\"id\":78,\"asset_id\":\"216\",\"title\":\"Education and Communication \",\"alias\":\"education-and-communication\",\"introtext\":\"<h5>Mandate of the Education and Communication Department<\\/h5>\\r\\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\\u2019s website and targeted awareness campaigns to mention a few<\\/p>\\r\\n<h5>Services offered<\\/h5>\\r\\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\\u2019s services for education purposes are free of charge for all consumers around the country.<\\/p>\\r\\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \\u2013 0860 627 627 or use the below contact details.<\\/p>\\r\\n<h5>Requests for Educational Activities and Media Relations<\\/h5>\\r\\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \\u2013 <a href=\\\"mailto:jgolele@ncr.org.za\\\">jgolele@ncr.org.za<\\/a><br \\/> Workshops \\u2013 <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> Media \\u2013 <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22&amp;catid=15\\\">Click here to view over-Indebtedness<\\/a><\\/p>\\r\\n<h5>What is over-indebtedness?<\\/h5>\\r\\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\\/p>\\r\\n<h5>What are some of the indicators of over-indebtedness?<\\/h5>\\r\\n<ul>\\r\\n<li>borrows money to pay other loans;<\\/li>\\r\\n<li>skips payments on some accounts in order to pay others;<\\/li>\\r\\n<li>receives letters of demand and\\/or summonses from creditors;<\\/li>\\r\\n<li>is thinking of being placed under debt administration or debt counselling;<\\/li>\\r\\n<li>has judgments passed against him\\/her;<\\/li>\\r\\n<li>is always absent from work, especially towards month end;<\\/li>\\r\\n<li>regularly feels emotionally stressed about money matters; and<\\/li>\\r\\n<li>is regularly losing money to rip-offs and frauds.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>What are the causes of over-indebtedness?<\\/h5>\\r\\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\\/p>\\r\\n<ul>\\r\\n<li>Indulgence \\u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\\/li>\\r\\n<li>Ignorance of financial products \\u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\\/li>\\r\\n<li>Lack of proper planning<\\/li>\\r\\n<li>Social pressures \\u2013 peer, family<\\/li>\\r\\n<li>Change in circumstances \\u2013 divorce, retrenchment, death, etc.<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Economic upswing \\u2013 increasing interest rates<\\/li>\\r\\n<\\/ul>\\r\\n<h5>OVERCOMING OVER INDEBTEDNESS &amp; PERSONAL FINANCIAL MANAGEMENT<\\/h5>\\r\\n<h5><em>TIP # 1 Don\\u2019t ignore your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Know how much is coming in, and how much is going out;<\\/li>\\r\\n<li>List all the people you owe, including friends, family, neighbours etc;<\\/li>\\r\\n<li>Get a copy of your credit bureau record \\u2013 free of charge;<\\/li>\\r\\n<li>Keep in touch with your bank statement \\u2013 track all the deductions;<\\/li>\\r\\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\\/li>\\r\\n<li>Don\\u2019t be threatened or bullied into promising to pay what you don\\u2019t have; and<\\/li>\\r\\n<li>Review your budget regularly.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 2 Prioritise your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Pay your essential expenses first \\u2013 electricity, rent, insurance;<\\/li>\\r\\n<li>Then pay your day-to-day expenses like transport and food;<\\/li>\\r\\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\\/li>\\r\\n<li>Seek expert advice before selling \\/ cancelling anything;<\\/li>\\r\\n<li>Don\\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 3 Don\\u2019t borrow to pay off debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Credit creates more debt, don\\u2019t borrow more to pay existing debts;<\\/li>\\r\\n<li>Don\\u2019t buy food on credit;<\\/li>\\r\\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\\/li>\\r\\n<li>Be very cautious when considering to take a consolidation loan<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 4 Cut down on your expenses<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Cut down on luxury items \\u2013 entertainment; TV subscriptions, holidays etc;<\\/li>\\r\\n<li>Make a list of \\u201cwants\\u201d and \\u201cneeds\\u201d and focus on needs;<\\/li>\\r\\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\\/li>\\r\\n<li>Consider early settlement so that you can save on interest and other cost; and<\\/li>\\r\\n<li>Review your insurance policies from time to time \\u2013 use an independent financial advisor.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 5 Don\\u2019t wait until goods are repossessed<\\/em><\\/h5>\\r\\n<h5><em>TIP # 6 Start saving<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Put aside some money for unforeseen circumstances;<\\/li>\\r\\n<li>Be consistent, save every month \\u2013 no matter how small the amount is.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\\\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\\\">click here for more information<\\/a>)<\\/em><\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\r\\n<h5>ABOUT CREDIT INFORMATION<\\/h5>\\r\\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\\/p>\\r\\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\\/p>\\r\\n<h5>HOW TO ACCESS YOUR CREDIT REPORT<\\/h5>\\r\\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\\/p>\\r\\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>CompuScan<\\/td>\\r\\n<td>0861 514 131<\\/td>\\r\\n<td><a href=\\\"www.compuscan.co.za\\\">www.compuscan.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Experian<\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<td><a href=\\\"www.experian.co.za\\\">www.experian.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>TransUnion<\\/td>\\r\\n<td>0861 886 466<\\/td>\\r\\n<td><a href=\\\"www.transunion.co.za\\\">www.transunion.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>XDS<\\/td>\\r\\n<td>0860 937 000<\\/td>\\r\\n<td><a href=\\\"www.xds.co.za\\\">www.xds.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\\/p>\\r\\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\\/p>\\r\\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\\/p>\\r\\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\\/h5>\\r\\n<p>Below is a table on retention periods:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Details and results of complaints lodged by consumers<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity \\/ person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Factual information pertaining to the payment profile of the consumer<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Subjective classifications of consumer behaviour\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Classification related to enforcement action taken by the credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Debt restructuring <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per section 86 of the Act,<br \\/> an order given by the Court<br \\/> or Tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Civil court Judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Civil court Judgments including default court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>The earlier of 5 years or<br \\/> until the judgment is<br \\/> rescinded by a court or<br \\/> abandoned by the credit<br \\/> provider in terms of section<br \\/> 86 of the Magistrates Courts<br \\/> Act 32 of 1944 or within the<br \\/> period prescribed in section<br \\/> 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Maintenance judgments<\\/strong><br \\/> <strong>in terms of the Maintenance<\\/strong><br \\/> <strong>Act 99 of 1998<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>until the judgment is<br \\/> rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Administration Orders<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years or until order is<br \\/> rescinded by court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Sequestrations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5years or until rehabilitation<br \\/> order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>10<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Liquidations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Unlimited periods<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>11<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>THE RIGHT TO APPLY FOR CREDIT<\\/h5>\\r\\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\\/p>\\r\\n<h5>THE RIGHT TO DISCLOSURE<\\/h5>\\r\\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\\/p>\\r\\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\\/p>\\r\\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\\/strong>.<\\/p>\\r\\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\\/h5>\\r\\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\\/p>\\r\\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\\/h5>\\r\\n<p>You have the right:<\\/p>\\r\\n<ol>\\r\\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\\/li>\\r\\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\\u00a0 of R20 excluding Vat for any further records;<\\/li>\\r\\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\\/li>\\r\\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\\/li>\\r\\n<\\/ol>\\r\\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED<\\/h5>\\r\\n<p>If you experience problems with servicing your debts take the following steps:<\\/p>\\r\\n<ol>\\r\\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;<\\/li>\\r\\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\\\">Click here to view consumer Tips<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=71&amp;catid=20\\\">Click here for Campaigns<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=33&amp;catid=20\\\">Click here for Brochures<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 14:57:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:52:53\",\"publish_up\":\"2020-07-14 15:37:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":32,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"93\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(700,37,1,'','2020-10-13 15:02:24',915,2634,'605548939bd0bc7f550fc44fe3eb247eaca3bfc5','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<p><a style=\\\"line-height: 15.8079996109009px;\\\" href=\\\"newsletters\\/01\\/MAMA%20SIZA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" width=\\\"524\\\" height=\\\"741\\\" \\/><\\/a><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"&lt;img src=\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/>\\\" alt=\\\"\\\" \\/&gt;<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:02:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:02:15\",\"publish_up\":\"2019-04-04 13:47:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"60\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(701,37,1,'','2020-10-13 15:07:48',915,2257,'f4ddeb92fdbb19a8b21534f94d1fc66affc9c0ec','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<table border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<td><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:07:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 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00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"62\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(702,37,1,'','2020-10-13 15:08:39',915,2192,'91d58be465574ab6c8a4d15ce993e9a1272a5f89','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<table border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:08:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:07:48\",\"publish_up\":\"2019-04-04 13:47:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"63\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(703,37,1,'','2020-10-13 15:20:45',915,2084,'11124a9507bcdb0d3b231c963fd202c0f849e124','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<p>table border=\\\"0\\\" cellpadding=\\\"10\\\"&gt;<\\/p>\\r\\n<p><img src=\\\"images\\/advert_11.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><img src=\\\"images\\/advert_12.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><img src=\\\"images\\/advert_13.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><img src=\\\"images\\/advert_14.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:20:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:08:39\",\"publish_up\":\"2019-04-04 13:47:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"64\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(704,37,1,'','2020-10-13 15:21:17',915,2192,'4668381487414f3d5cdca22bb1e62c6407037acb','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<table border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/advert_11.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/advert_12.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/advert_13.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/advert_14.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:21:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:20:45\",\"publish_up\":\"2019-04-04 13:47:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"65\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(716,78,1,'','2020-10-13 15:45:13',915,18842,'e20c73f157440b45731fda68e177904011daa7ac','{\"id\":78,\"asset_id\":\"216\",\"title\":\"Education and Communication \",\"alias\":\"education-and-communication\",\"introtext\":\"<h5>Mandate of the Education and Communication Department<\\/h5>\\r\\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\\u2019s website and targeted awareness campaigns to mention a few.<\\/p>\\r\\n<h5>Services offered<\\/h5>\\r\\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\\u2019s services for education purposes are free of charge for all consumers around the country.<\\/p>\\r\\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \\u2013 0860 627 627 or use the below contact details.<\\/p>\\r\\n<h5>Requests for Educational Activities and Media Relations<\\/h5>\\r\\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \\u2013 <a href=\\\"mailto:jgolele@ncr.org.za\\\">jgolele@ncr.org.za<\\/a><br \\/> Workshops \\u2013 <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> Media \\u2013 <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<h5>What is over-indebtedness?<\\/h5>\\r\\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\\/p>\\r\\n<h5>What are some of the indicators of over-indebtedness?<\\/h5>\\r\\n<ul>\\r\\n<li>borrows money to pay other loans;<\\/li>\\r\\n<li>skips payments on some accounts in order to pay others;<\\/li>\\r\\n<li>receives letters of demand and\\/or summonses from creditors;<\\/li>\\r\\n<li>is thinking of being placed under debt administration or debt counselling;<\\/li>\\r\\n<li>has judgments passed against him\\/her;<\\/li>\\r\\n<li>is always absent from work, especially towards month end;<\\/li>\\r\\n<li>regularly feels emotionally stressed about money matters; and<\\/li>\\r\\n<li>is regularly losing money to rip-offs and frauds.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>What are the causes of over-indebtedness?<\\/h5>\\r\\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\\/p>\\r\\n<ul>\\r\\n<li>Indulgence \\u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\\/li>\\r\\n<li>Ignorance of financial products \\u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\\/li>\\r\\n<li>Lack of proper planning<\\/li>\\r\\n<li>Social pressures \\u2013 peer, family<\\/li>\\r\\n<li>Change in circumstances \\u2013 divorce, retrenchment, death, etc.<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Economic upswing \\u2013 increasing interest rates<\\/li>\\r\\n<\\/ul>\\r\\n<h5>OVERCOMING OVER INDEBTEDNESS &amp; PERSONAL FINANCIAL MANAGEMENT<\\/h5>\\r\\n<h5><em>TIP # 1 Don\\u2019t ignore your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Know how much is coming in, and how much is going out;<\\/li>\\r\\n<li>List all the people you owe, including friends, family, neighbours etc;<\\/li>\\r\\n<li>Get a copy of your credit bureau record \\u2013 free of charge;<\\/li>\\r\\n<li>Keep in touch with your bank statement \\u2013 track all the deductions;<\\/li>\\r\\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\\/li>\\r\\n<li>Don\\u2019t be threatened or bullied into promising to pay what you don\\u2019t have; and<\\/li>\\r\\n<li>Review your budget regularly.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 2 Prioritise your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Pay your essential expenses first \\u2013 electricity, rent, insurance;<\\/li>\\r\\n<li>Then pay your day-to-day expenses like transport and food;<\\/li>\\r\\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\\/li>\\r\\n<li>Seek expert advice before selling \\/ cancelling anything;<\\/li>\\r\\n<li>Don\\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 3 Don\\u2019t borrow to pay off debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Credit creates more debt, don\\u2019t borrow more to pay existing debts;<\\/li>\\r\\n<li>Don\\u2019t buy food on credit;<\\/li>\\r\\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\\/li>\\r\\n<li>Be very cautious when considering to take a consolidation loan<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 4 Cut down on your expenses<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Cut down on luxury items \\u2013 entertainment; TV subscriptions, holidays etc;<\\/li>\\r\\n<li>Make a list of \\u201cwants\\u201d and \\u201cneeds\\u201d and focus on needs;<\\/li>\\r\\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\\/li>\\r\\n<li>Consider early settlement so that you can save on interest and other cost; and<\\/li>\\r\\n<li>Review your insurance policies from time to time \\u2013 use an independent financial advisor.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 5 Don\\u2019t wait until goods are repossessed<\\/em><\\/h5>\\r\\n<h5><em>TIP # 6 Start saving<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Put aside some money for unforeseen circumstances;<\\/li>\\r\\n<li>Be consistent, save every month \\u2013 no matter how small the amount is.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\\\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\\\">click here for more information<\\/a>)<\\/em><\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\r\\n<h5>ABOUT CREDIT INFORMATION<\\/h5>\\r\\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\\/p>\\r\\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\\/p>\\r\\n<h5>HOW TO ACCESS YOUR CREDIT REPORT<\\/h5>\\r\\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\\/p>\\r\\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>CompuScan<\\/td>\\r\\n<td>0861 514 131<\\/td>\\r\\n<td><a href=\\\"www.compuscan.co.za\\\">www.compuscan.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Experian<\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<td><a href=\\\"www.experian.co.za\\\">www.experian.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>TransUnion<\\/td>\\r\\n<td>0861 886 466<\\/td>\\r\\n<td><a href=\\\"www.transunion.co.za\\\">www.transunion.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>XDS<\\/td>\\r\\n<td>0860 937 000<\\/td>\\r\\n<td><a href=\\\"www.xds.co.za\\\">www.xds.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\\/p>\\r\\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\\/p>\\r\\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\\/p>\\r\\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\\/h5>\\r\\n<p>Below is a table on retention periods:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Details and results of complaints lodged by consumers<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity \\/ person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Factual information pertaining to the payment profile of the consumer<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Subjective classifications of consumer behaviour\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Classification related to enforcement action taken by the credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Debt restructuring <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per section 86 of the Act,<br \\/> an order given by the Court<br \\/> or Tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Civil court Judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Civil court Judgments including default court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>The earlier of 5 years or<br \\/> until the judgment is<br \\/> rescinded by a court or<br \\/> abandoned by the credit<br \\/> provider in terms of section<br \\/> 86 of the Magistrates Courts<br \\/> Act 32 of 1944 or within the<br \\/> period prescribed in section<br \\/> 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Maintenance judgments<\\/strong><br \\/> <strong>in terms of the Maintenance<\\/strong><br \\/> <strong>Act 99 of 1998<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>until the judgment is<br \\/> rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Administration Orders<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years or until order is<br \\/> rescinded by court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Sequestrations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5years or until rehabilitation<br \\/> order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>10<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Liquidations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Unlimited periods<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>11<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>THE RIGHT TO APPLY FOR CREDIT<\\/h5>\\r\\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\\/p>\\r\\n<h5>THE RIGHT TO DISCLOSURE<\\/h5>\\r\\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\\/p>\\r\\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\\/p>\\r\\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\\/strong>.<\\/p>\\r\\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\\/h5>\\r\\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\\/p>\\r\\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\\/h5>\\r\\n<p>You have the right:<\\/p>\\r\\n<ol>\\r\\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\\/li>\\r\\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\\u00a0 of R20 excluding Vat for any further records;<\\/li>\\r\\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\\/li>\\r\\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\\/li>\\r\\n<\\/ol>\\r\\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED<\\/h5>\\r\\n<p>If you experience problems with servicing your debts take the following steps:<\\/p>\\r\\n<ol>\\r\\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;<\\/li>\\r\\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\\\">Click here to view consumer Tips<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=71&amp;catid=20\\\">Click here for Campaigns<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=33&amp;catid=20\\\">Click here for Brochures<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:45:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:44:20\",\"publish_up\":\"2020-07-14 15:37:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":34,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"106\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(717,78,1,'','2020-10-13 15:46:57',915,18567,'dc40fbe4be452409c8b2fdbc04aa55cf98483d34','{\"id\":78,\"asset_id\":\"216\",\"title\":\"Education and Communication \",\"alias\":\"education-and-communication\",\"introtext\":\"<h5>Mandate of the Education and Communication Department<\\/h5>\\r\\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\\u2019s website and targeted awareness campaigns to mention a few.<\\/p>\\r\\n<h5>Services offered<\\/h5>\\r\\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\\u2019s services for education purposes are free of charge for all consumers around the country.<\\/p>\\r\\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \\u2013 0860 627 627 or use the below contact details.<\\/p>\\r\\n<h5>Requests for Educational Activities and Media Relations<\\/h5>\\r\\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \\u2013 <a href=\\\"mailto:jgolele@ncr.org.za\\\">jgolele@ncr.org.za<\\/a><br \\/> Workshops \\u2013 <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> Media \\u2013 <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<h5>What is over-indebtedness?<\\/h5>\\r\\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\\/p>\\r\\n<h5>What are some of the indicators of over-indebtedness?<\\/h5>\\r\\n<ul>\\r\\n<li>borrows money to pay other loans;<\\/li>\\r\\n<li>skips payments on some accounts in order to pay others;<\\/li>\\r\\n<li>receives letters of demand and\\/or summonses from creditors;<\\/li>\\r\\n<li>is thinking of being placed under debt administration or debt counselling;<\\/li>\\r\\n<li>has judgments passed against him\\/her;<\\/li>\\r\\n<li>is always absent from work, especially towards month end;<\\/li>\\r\\n<li>regularly feels emotionally stressed about money matters; and<\\/li>\\r\\n<li>is regularly losing money to rip-offs and frauds.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>What are the causes of over-indebtedness?<\\/h5>\\r\\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\\/p>\\r\\n<ul>\\r\\n<li>Indulgence \\u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\\/li>\\r\\n<li>Ignorance of financial products \\u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\\/li>\\r\\n<li>Lack of proper planning<\\/li>\\r\\n<li>Social pressures \\u2013 peer, family<\\/li>\\r\\n<li>Change in circumstances \\u2013 divorce, retrenchment, death, etc.<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Economic upswing \\u2013 increasing interest rates<\\/li>\\r\\n<\\/ul>\\r\\n<h5>OVERCOMING OVER INDEBTEDNESS &amp; PERSONAL FINANCIAL MANAGEMENT<\\/h5>\\r\\n<h5><em>TIP # 1 Don\\u2019t ignore your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Know how much is coming in, and how much is going out;<\\/li>\\r\\n<li>List all the people you owe, including friends, family, neighbours etc;<\\/li>\\r\\n<li>Get a copy of your credit bureau record \\u2013 free of charge;<\\/li>\\r\\n<li>Keep in touch with your bank statement \\u2013 track all the deductions;<\\/li>\\r\\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\\/li>\\r\\n<li>Don\\u2019t be threatened or bullied into promising to pay what you don\\u2019t have; and<\\/li>\\r\\n<li>Review your budget regularly.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 2 Prioritise your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Pay your essential expenses first \\u2013 electricity, rent, insurance;<\\/li>\\r\\n<li>Then pay your day-to-day expenses like transport and food;<\\/li>\\r\\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\\/li>\\r\\n<li>Seek expert advice before selling \\/ cancelling anything;<\\/li>\\r\\n<li>Don\\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 3 Don\\u2019t borrow to pay off debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Credit creates more debt, don\\u2019t borrow more to pay existing debts;<\\/li>\\r\\n<li>Don\\u2019t buy food on credit;<\\/li>\\r\\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\\/li>\\r\\n<li>Be very cautious when considering to take a consolidation loan<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 4 Cut down on your expenses<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Cut down on luxury items \\u2013 entertainment; TV subscriptions, holidays etc;<\\/li>\\r\\n<li>Make a list of \\u201cwants\\u201d and \\u201cneeds\\u201d and focus on needs;<\\/li>\\r\\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\\/li>\\r\\n<li>Consider early settlement so that you can save on interest and other cost; and<\\/li>\\r\\n<li>Review your insurance policies from time to time \\u2013 use an independent financial advisor.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 5 Don\\u2019t wait until goods are repossessed<\\/em><\\/h5>\\r\\n<h5><em>TIP # 6 Start saving<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Put aside some money for unforeseen circumstances;<\\/li>\\r\\n<li>Be consistent, save every month \\u2013 no matter how small the amount is.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\\\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\\\">click here for more information<\\/a>)<\\/em><\\/h5>\\r\\n<h5>ABOUT CREDIT INFORMATION<\\/h5>\\r\\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\\/p>\\r\\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\\/p>\\r\\n<h5>HOW TO ACCESS YOUR CREDIT REPORT<\\/h5>\\r\\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\\/p>\\r\\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>CompuScan<\\/td>\\r\\n<td>0861 514 131<\\/td>\\r\\n<td><a href=\\\"www.compuscan.co.za\\\">www.compuscan.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Experian<\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<td><a href=\\\"www.experian.co.za\\\">www.experian.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>TransUnion<\\/td>\\r\\n<td>0861 886 466<\\/td>\\r\\n<td><a href=\\\"www.transunion.co.za\\\">www.transunion.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>XDS<\\/td>\\r\\n<td>0860 937 000<\\/td>\\r\\n<td><a href=\\\"www.xds.co.za\\\">www.xds.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\\/p>\\r\\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\\/p>\\r\\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\\/p>\\r\\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\\/h5>\\r\\n<p>Below is a table on retention periods:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Details and results of complaints lodged by consumers<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity \\/ person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Factual information pertaining to the payment profile of the consumer<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Subjective classifications of consumer behaviour\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Classification related to enforcement action taken by the credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Debt restructuring <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per section 86 of the Act,<br \\/> an order given by the Court<br \\/> or Tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Civil court Judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Civil court Judgments including default court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>The earlier of 5 years or<br \\/> until the judgment is<br \\/> rescinded by a court or<br \\/> abandoned by the credit<br \\/> provider in terms of section<br \\/> 86 of the Magistrates Courts<br \\/> Act 32 of 1944 or within the<br \\/> period prescribed in section<br \\/> 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Maintenance judgments<\\/strong><br \\/> <strong>in terms of the Maintenance<\\/strong><br \\/> <strong>Act 99 of 1998<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>until the judgment is<br \\/> rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Administration Orders<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years or until order is<br \\/> rescinded by court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Sequestrations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5years or until rehabilitation<br \\/> order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>10<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Liquidations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Unlimited periods<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>11<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<h5><br \\/>THE RIGHT TO APPLY FOR CREDIT<\\/h5>\\r\\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\\/p>\\r\\n<h5>THE RIGHT TO DISCLOSURE<\\/h5>\\r\\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\\/p>\\r\\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\\/p>\\r\\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\\/strong>.<\\/p>\\r\\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\\/h5>\\r\\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\\/p>\\r\\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\\/h5>\\r\\n<p>You have the right:<\\/p>\\r\\n<ol>\\r\\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\\/li>\\r\\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\\u00a0 of R20 excluding Vat for any further records;<\\/li>\\r\\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\\/li>\\r\\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\\/li>\\r\\n<\\/ol>\\r\\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED<\\/h5>\\r\\n<p>If you experience problems with servicing your debts take the following steps:<\\/p>\\r\\n<ol>\\r\\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;<\\/li>\\r\\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\\\">Click here to view consumer Tips<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=71&amp;catid=20\\\">Click here for Campaigns<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=33&amp;catid=20\\\">Click here for Brochures<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:46:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:45:13\",\"publish_up\":\"2020-07-14 15:37:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":35,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"107\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(718,77,1,'','2020-10-14 13:06:52',915,4723,'5846ab6c7c0780ce17e8c85689397e4b71e6b26f','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">How do I register?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">How do I register?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">How do I register?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">How do I register?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Payment Distribution Agents<\\/h5>\\r\\n<ul>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<h5>Reseller Credit Bureau<\\/h5>\\r\\n<ul>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-14 13:06:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-14 13:03:24\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"91\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(719,77,1,'','2020-10-14 13:09:43',915,4819,'c2ee993ff2b98f432fd6c2166223859102d11fe4','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Payment Distribution Agents<\\/h5>\\r\\n<ul>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<h5>Reseller Credit Bureau<\\/h5>\\r\\n<ul>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-14 13:09:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-14 13:06:52\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"92\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(720,77,1,'','2020-10-14 13:11:05',915,4783,'f6a9d4a688b80421baa939f76b63fe7319b75275','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Payment Distribution Agents<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Reseller Credit Bureau<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-14 13:11:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-14 13:09:43\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"94\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(732,77,1,'','2020-10-15 14:23:24',915,4880,'23cb5dd89162b98dd8df40330998501c4c152f8f','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<p><strong>Alternative Dispute Resolution Agent<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Credit Bureau<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Credit Provider\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Debt Counsellors<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment Distribution Agents<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Reseller Credit Bureau<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-15 14:23:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-15 14:21:14\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"117\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(733,77,1,'','2020-10-15 14:24:21',915,4875,'70eed0127ccb379111f6fe97b4201772c2aa4ca1','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to register credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<p><strong>Alternative Dispute Resolution Agent<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Credit Bureau<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Credit Provider\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Debt Counsellor<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment Distribution Agent<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Reseller Credit Bureau<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-15 14:24:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-15 14:23:24\",\"publish_up\":\"2020-07-14 10:16:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":19,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"118\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(747,1,1,'','2020-10-28 13:42:33',915,2693,'705c5518dbbcb276b6b0634631af1428c25e78cc','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<h1 class=\\\"hidden-sm bg-info\\\">This text is hidden on a SMALL screen.<\\/h1>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator for the South African credit industry by the National Credit Act (34 of 2005) (NCA). It is tasked with consumer education, research, policy development, registration of industry participants, investigation of complaints and enforcement of the NCA.<\\/p>\\r\\n<p>The NCA requires the NCR to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR registers and ensures compliance to the NCA by the following industry participants: credit providers, credit bureaus, debt counsellors, alternative dispute resolution agents and payment distribution agents.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-28 13:42:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-28 13:42:02\",\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"6\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(748,78,1,'','2020-11-06 14:28:44',915,20869,'36a8651df152c5d6eb4a9a170764cf09657d4944','{\"id\":78,\"asset_id\":\"216\",\"title\":\"Education and Communication \",\"alias\":\"education-and-communication\",\"introtext\":\"<h5>Mandate of the Education and Communication Department<\\/h5>\\r\\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\\u2019s website and targeted awareness campaigns to mention a few.<\\/p>\\r\\n<h5>Services offered<\\/h5>\\r\\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\\u2019s services for education purposes are free of charge for all consumers around the country.<\\/p>\\r\\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \\u2013 0860 627 627 or use the below contact details.<\\/p>\\r\\n<h5>Requests for Educational Activities and Media Relations<\\/h5>\\r\\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \\u2013 <a href=\\\"mailto:jgolele@ncr.org.za\\\">jgolele@ncr.org.za<\\/a><br \\/> Workshops \\u2013 <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> Media \\u2013 <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<h5>What is over-indebtedness?<\\/h5>\\r\\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\\/p>\\r\\n<h5>What are some of the indicators of over-indebtedness?<\\/h5>\\r\\n<ul>\\r\\n<li>borrows money to pay other loans;<\\/li>\\r\\n<li>skips payments on some accounts in order to pay others;<\\/li>\\r\\n<li>receives letters of demand and\\/or summonses from creditors;<\\/li>\\r\\n<li>is thinking of being placed under debt administration or debt counselling;<\\/li>\\r\\n<li>has judgments passed against him\\/her;<\\/li>\\r\\n<li>is always absent from work, especially towards month end;<\\/li>\\r\\n<li>regularly feels emotionally stressed about money matters; and<\\/li>\\r\\n<li>is regularly losing money to rip-offs and frauds.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>What are the causes of over-indebtedness?<\\/h5>\\r\\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\\/p>\\r\\n<ul>\\r\\n<li>Indulgence \\u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\\/li>\\r\\n<li>Ignorance of financial products \\u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\\/li>\\r\\n<li>Lack of proper planning<\\/li>\\r\\n<li>Social pressures \\u2013 peer, family<\\/li>\\r\\n<li>Change in circumstances \\u2013 divorce, retrenchment, death, etc.<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Economic upswing \\u2013 increasing interest rates<\\/li>\\r\\n<\\/ul>\\r\\n<h5>OVERCOMING OVER INDEBTEDNESS &amp; PERSONAL FINANCIAL MANAGEMENT<\\/h5>\\r\\n<h5><em>TIP # 1 Don\\u2019t ignore your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Know how much is coming in, and how much is going out;<\\/li>\\r\\n<li>List all the people you owe, including friends, family, neighbours etc;<\\/li>\\r\\n<li>Get a copy of your credit bureau record \\u2013 free of charge;<\\/li>\\r\\n<li>Keep in touch with your bank statement \\u2013 track all the deductions;<\\/li>\\r\\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\\/li>\\r\\n<li>Don\\u2019t be threatened or bullied into promising to pay what you don\\u2019t have; and<\\/li>\\r\\n<li>Review your budget regularly.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 2 Prioritise your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Pay your essential expenses first \\u2013 electricity, rent, insurance;<\\/li>\\r\\n<li>Then pay your day-to-day expenses like transport and food;<\\/li>\\r\\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\\/li>\\r\\n<li>Seek expert advice before selling \\/ cancelling anything;<\\/li>\\r\\n<li>Don\\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 3 Don\\u2019t borrow to pay off debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Credit creates more debt, don\\u2019t borrow more to pay existing debts;<\\/li>\\r\\n<li>Don\\u2019t buy food on credit;<\\/li>\\r\\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\\/li>\\r\\n<li>Be very cautious when considering to take a consolidation loan<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 4 Cut down on your expenses<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Cut down on luxury items \\u2013 entertainment; TV subscriptions, holidays etc;<\\/li>\\r\\n<li>Make a list of \\u201cwants\\u201d and \\u201cneeds\\u201d and focus on needs;<\\/li>\\r\\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\\/li>\\r\\n<li>Consider early settlement so that you can save on interest and other cost; and<\\/li>\\r\\n<li>Review your insurance policies from time to time \\u2013 use an independent financial advisor.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 5 Don\\u2019t wait until goods are repossessed<\\/em><\\/h5>\\r\\n<h5><em>TIP # 6 Start saving<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Put aside some money for unforeseen circumstances;<\\/li>\\r\\n<li>Be consistent, save every month \\u2013 no matter how small the amount is.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\\\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\\\">click here for more information<\\/a>)<\\/em><\\/h5>\\r\\n<h5>ABOUT CREDIT INFORMATION<\\/h5>\\r\\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\\/p>\\r\\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\\/p>\\r\\n<h5>HOW TO ACCESS YOUR CREDIT REPORT<\\/h5>\\r\\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\\/p>\\r\\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>CompuScan<\\/td>\\r\\n<td>0861 514 131<\\/td>\\r\\n<td><a href=\\\"www.compuscan.co.za\\\">www.compuscan.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Experian<\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<td><a href=\\\"www.experian.co.za\\\">www.experian.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>TransUnion<\\/td>\\r\\n<td>0861 886 466<\\/td>\\r\\n<td><a href=\\\"www.transunion.co.za\\\">www.transunion.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>XDS<\\/td>\\r\\n<td>0860 937 000<\\/td>\\r\\n<td><a href=\\\"www.xds.co.za\\\">www.xds.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"5\\\" cellpadding=\\\"5\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>CompuScan\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861514131<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.compuscan.co.za\\/\\\">www.compuscan.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>Experian<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861105665\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.experian.co.za\\/\\\">www.experian.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>TransUnion\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861886466<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.transunion.co.za\\/\\\">www.transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>XDS<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0860937000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.xds.co.za\\/\\\">www.xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>Consumer Profile Bureau <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0105909505<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.consumerprofilebureau.com\\\">www.consumerprofilebureau.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:support@cpbonline.co.za\\\">support@cpbonline.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>VeriCred Credit Bureau<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0871503602<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.vccb.co.za\\\">www.vccb.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>Credit Ombud<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861 662837<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\\/p>\\r\\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\\/p>\\r\\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\\/p>\\r\\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\\/h5>\\r\\n<p>Below is a table on retention periods:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Details and results of complaints lodged by consumers<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity \\/ person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Factual information pertaining to the payment profile of the consumer<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Subjective classifications of consumer behaviour\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Classification related to enforcement action taken by the credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Debt restructuring <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per section 86 of the Act,<br \\/> an order given by the Court<br \\/> or Tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Civil court Judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Civil court Judgments including default court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>The earlier of 5 years or<br \\/> until the judgment is<br \\/> rescinded by a court or<br \\/> abandoned by the credit<br \\/> provider in terms of section<br \\/> 86 of the Magistrates Courts<br \\/> Act 32 of 1944 or within the<br \\/> period prescribed in section<br \\/> 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Maintenance judgments<\\/strong><br \\/> <strong>in terms of the Maintenance<\\/strong><br \\/> <strong>Act 99 of 1998<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>until the judgment is<br \\/> rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Administration Orders<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years or until order is<br \\/> rescinded by court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Sequestrations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5years or until rehabilitation<br \\/> order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>10<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Liquidations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Unlimited periods<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>11<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<h5><br \\/>THE RIGHT TO APPLY FOR CREDIT<\\/h5>\\r\\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\\/p>\\r\\n<h5>THE RIGHT TO DISCLOSURE<\\/h5>\\r\\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\\/p>\\r\\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\\/p>\\r\\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\\/strong>.<\\/p>\\r\\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\\/h5>\\r\\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\\/p>\\r\\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\\/h5>\\r\\n<p>You have the right:<\\/p>\\r\\n<ol>\\r\\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\\/li>\\r\\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\\u00a0 of R20 excluding Vat for any further records;<\\/li>\\r\\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\\/li>\\r\\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\\/li>\\r\\n<\\/ol>\\r\\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED<\\/h5>\\r\\n<p>If you experience problems with servicing your debts take the following steps:<\\/p>\\r\\n<ol>\\r\\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;<\\/li>\\r\\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\\\">Click here to view consumer Tips<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=71&amp;catid=20\\\">Click here for Campaigns<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=33&amp;catid=20\\\">Click here for Brochures<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-11-06 14:28:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-11-06 14:26:50\",\"publish_up\":\"2020-07-14 15:37:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":36,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"129\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(749,78,1,'','2020-11-06 14:29:23',915,20870,'225303ecca0b645d54b2a285248d0b62b8d0b7a2','{\"id\":78,\"asset_id\":\"216\",\"title\":\"Education and Communication \",\"alias\":\"education-and-communication\",\"introtext\":\"<h5>Mandate of the Education and Communication Department<\\/h5>\\r\\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\\u2019s website and targeted awareness campaigns to mention a few.<\\/p>\\r\\n<h5>Services offered<\\/h5>\\r\\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\\u2019s services for education purposes are free of charge for all consumers around the country.<\\/p>\\r\\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \\u2013 0860 627 627 or use the below contact details.<\\/p>\\r\\n<h5>Requests for Educational Activities and Media Relations<\\/h5>\\r\\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \\u2013 <a href=\\\"mailto:jgolele@ncr.org.za\\\">jgolele@ncr.org.za<\\/a><br \\/> Workshops \\u2013 <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> Media \\u2013 <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<h5>What is over-indebtedness?<\\/h5>\\r\\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\\/p>\\r\\n<h5>What are some of the indicators of over-indebtedness?<\\/h5>\\r\\n<ul>\\r\\n<li>borrows money to pay other loans;<\\/li>\\r\\n<li>skips payments on some accounts in order to pay others;<\\/li>\\r\\n<li>receives letters of demand and\\/or summonses from creditors;<\\/li>\\r\\n<li>is thinking of being placed under debt administration or debt counselling;<\\/li>\\r\\n<li>has judgments passed against him\\/her;<\\/li>\\r\\n<li>is always absent from work, especially towards month end;<\\/li>\\r\\n<li>regularly feels emotionally stressed about money matters; and<\\/li>\\r\\n<li>is regularly losing money to rip-offs and frauds.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>What are the causes of over-indebtedness?<\\/h5>\\r\\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\\/p>\\r\\n<ul>\\r\\n<li>Indulgence \\u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\\/li>\\r\\n<li>Ignorance of financial products \\u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\\/li>\\r\\n<li>Lack of proper planning<\\/li>\\r\\n<li>Social pressures \\u2013 peer, family<\\/li>\\r\\n<li>Change in circumstances \\u2013 divorce, retrenchment, death, etc.<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Economic upswing \\u2013 increasing interest rates<\\/li>\\r\\n<\\/ul>\\r\\n<h5>OVERCOMING OVER INDEBTEDNESS &amp; PERSONAL FINANCIAL MANAGEMENT<\\/h5>\\r\\n<h5><em>TIP # 1 Don\\u2019t ignore your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Know how much is coming in, and how much is going out;<\\/li>\\r\\n<li>List all the people you owe, including friends, family, neighbours etc;<\\/li>\\r\\n<li>Get a copy of your credit bureau record \\u2013 free of charge;<\\/li>\\r\\n<li>Keep in touch with your bank statement \\u2013 track all the deductions;<\\/li>\\r\\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\\/li>\\r\\n<li>Don\\u2019t be threatened or bullied into promising to pay what you don\\u2019t have; and<\\/li>\\r\\n<li>Review your budget regularly.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 2 Prioritise your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Pay your essential expenses first \\u2013 electricity, rent, insurance;<\\/li>\\r\\n<li>Then pay your day-to-day expenses like transport and food;<\\/li>\\r\\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\\/li>\\r\\n<li>Seek expert advice before selling \\/ cancelling anything;<\\/li>\\r\\n<li>Don\\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 3 Don\\u2019t borrow to pay off debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Credit creates more debt, don\\u2019t borrow more to pay existing debts;<\\/li>\\r\\n<li>Don\\u2019t buy food on credit;<\\/li>\\r\\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\\/li>\\r\\n<li>Be very cautious when considering to take a consolidation loan<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 4 Cut down on your expenses<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Cut down on luxury items \\u2013 entertainment; TV subscriptions, holidays etc;<\\/li>\\r\\n<li>Make a list of \\u201cwants\\u201d and \\u201cneeds\\u201d and focus on needs;<\\/li>\\r\\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\\/li>\\r\\n<li>Consider early settlement so that you can save on interest and other cost; and<\\/li>\\r\\n<li>Review your insurance policies from time to time \\u2013 use an independent financial advisor.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 5 Don\\u2019t wait until goods are repossessed<\\/em><\\/h5>\\r\\n<h5><em>TIP # 6 Start saving<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Put aside some money for unforeseen circumstances;<\\/li>\\r\\n<li>Be consistent, save every month \\u2013 no matter how small the amount is.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\\\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\\\">click here for more information<\\/a>)<\\/em><\\/h5>\\r\\n<h5>ABOUT CREDIT INFORMATION<\\/h5>\\r\\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\\/p>\\r\\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\\/p>\\r\\n<h5>HOW TO ACCESS YOUR CREDIT REPORT<\\/h5>\\r\\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\\/p>\\r\\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\\/p>\\r\\n<!--<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>CompuScan<\\/td>\\r\\n<td>0861 514 131<\\/td>\\r\\n<td><a href=\\\"www.compuscan.co.za\\\">www.compuscan.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Experian<\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<td><a href=\\\"www.experian.co.za\\\">www.experian.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>TransUnion<\\/td>\\r\\n<td>0861 886 466<\\/td>\\r\\n<td><a href=\\\"www.transunion.co.za\\\">www.transunion.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>XDS<\\/td>\\r\\n<td>0860 937 000<\\/td>\\r\\n<td><a href=\\\"www.xds.co.za\\\">www.xds.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><\\/p>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"5\\\" cellpadding=\\\"5\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>CompuScan\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861514131<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.compuscan.co.za\\/\\\">www.compuscan.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>Experian<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861105665\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.experian.co.za\\/\\\">www.experian.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>TransUnion\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861886466<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.transunion.co.za\\/\\\">www.transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>XDS<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0860937000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.xds.co.za\\/\\\">www.xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>Consumer Profile Bureau <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0105909505<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.consumerprofilebureau.com\\\">www.consumerprofilebureau.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:support@cpbonline.co.za\\\">support@cpbonline.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>VeriCred Credit Bureau<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0871503602<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.vccb.co.za\\\">www.vccb.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>Credit Ombud<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861 662837<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\\/p>\\r\\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\\/p>\\r\\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\\/p>\\r\\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\\/h5>\\r\\n<p>Below is a table on retention periods:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Details and results of complaints lodged by consumers<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity \\/ person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Factual information pertaining to the payment profile of the consumer<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Subjective classifications of consumer behaviour\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Classification related to enforcement action taken by the credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Debt restructuring <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per section 86 of the Act,<br \\/> an order given by the Court<br \\/> or Tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Civil court Judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Civil court Judgments including default court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>The earlier of 5 years or<br \\/> until the judgment is<br \\/> rescinded by a court or<br \\/> abandoned by the credit<br \\/> provider in terms of section<br \\/> 86 of the Magistrates Courts<br \\/> Act 32 of 1944 or within the<br \\/> period prescribed in section<br \\/> 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Maintenance judgments<\\/strong><br \\/> <strong>in terms of the Maintenance<\\/strong><br \\/> <strong>Act 99 of 1998<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>until the judgment is<br \\/> rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Administration Orders<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years or until order is<br \\/> rescinded by court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Sequestrations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5years or until rehabilitation<br \\/> order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>10<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Liquidations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Unlimited periods<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>11<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<h5><br \\/>THE RIGHT TO APPLY FOR CREDIT<\\/h5>\\r\\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\\/p>\\r\\n<h5>THE RIGHT TO DISCLOSURE<\\/h5>\\r\\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\\/p>\\r\\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\\/p>\\r\\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\\/strong>.<\\/p>\\r\\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\\/h5>\\r\\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\\/p>\\r\\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\\/h5>\\r\\n<p>You have the right:<\\/p>\\r\\n<ol>\\r\\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\\/li>\\r\\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\\u00a0 of R20 excluding Vat for any further records;<\\/li>\\r\\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\\/li>\\r\\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\\/li>\\r\\n<\\/ol>\\r\\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED<\\/h5>\\r\\n<p>If you experience problems with servicing your debts take the following steps:<\\/p>\\r\\n<ol>\\r\\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;<\\/li>\\r\\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\\\">Click here to view consumer Tips<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=71&amp;catid=20\\\">Click here for Campaigns<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=33&amp;catid=20\\\">Click here for Brochures<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-11-06 14:29:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-11-06 14:28:44\",\"publish_up\":\"2020-07-14 15:37:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":37,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"130\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(751,27,1,'','2020-12-02 16:00:30',915,5622,'d7fce5c42c291d9cfee3519e5dedfa55302cfeb1','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"750\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"..\\/documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-12-02 16:00:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-12-02 15:53:01\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"85\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(752,27,1,'','2020-12-02 16:01:58',915,5626,'4216f8d4dcd7a45e59ea9ade0eb87aa7a517d8a5','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"750\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/images\\/annual_report\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"..\\/documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-12-02 16:01:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-12-02 16:00:30\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"88\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(753,27,1,'','2020-12-02 16:03:12',915,5650,'38775b83bbe6bffe7590c2b0873415c0bd29194d','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"750\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"..\\/documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-12-02 16:03:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-12-02 16:01:58\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"90\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(754,27,1,'','2020-12-02 16:05:21',915,5668,'a251bc62e2654f24c07b72bca1be10fd2e0a0e56','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"750\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"..\\/documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-12-02 16:05:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-12-02 16:04:10\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"94\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(755,40,5,'','2021-01-07 08:34:59',915,573,'97bedf1767f49e1d4129b9b3f2c5b2d030a54e68','{\"id\":40,\"asset_id\":255,\"parent_id\":\"1\",\"lft\":\"75\",\"rgt\":76,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Report Corruption\",\"alias\":\"report-corruption\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2021-01-07 08:34:59\",\"modified_user_id\":null,\"modified_time\":\"2021-01-07 08:34:59\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(756,41,5,'','2021-01-07 08:38:39',915,736,'fb8fa108697342017fab936e9396583112e23a65','{\"id\":41,\"asset_id\":256,\"parent_id\":\"1\",\"lft\":\"77\",\"rgt\":78,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Tip Off Anonymous: Ethics Line by KPMG\",\"alias\":\"tip-off-anonymous-ethics-line-by-kpmg\",\"note\":\"\",\"description\":\"<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/Poster.jpg\\\" width=\\\"500\\\" \\/><\\/p>\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2021-01-07 08:38:39\",\"modified_user_id\":null,\"modified_time\":\"2021-01-07 08:38:39\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(757,106,1,'','2021-01-07 08:40:43',915,1927,'35c5350119d40efd5d48adc1f53fc3b0772f5600','{\"id\":106,\"asset_id\":257,\"title\":\"Tip Off Anonymous: Ethics Line by KPMG\",\"alias\":\"tip-off-anonymous-ethics-line-by-kpmg\",\"introtext\":\"<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/Poster.jpg\\\" width=\\\"500\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"40\",\"created\":\"2021-01-07 08:40:43\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-07 08:40:43\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-01-07 08:40:43\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(758,29,1,'','2021-01-14 07:21:39',915,4326,'9e0e3b7faea1f09d8f9c4a37d62ebb8ed178c74e','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/Guidelines For Standard Court Order03.pdf\\\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/Annexure A- Standardized Court Order Template.pdf\\\">Annexure A- Standardized Court Order Template<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-14 07:21:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-14 07:19:28\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"69\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(762,78,1,'','2021-01-27 12:27:12',915,20868,'8d794522bf13a4271bce6fe67b2037c63d4e0e3d','{\"id\":78,\"asset_id\":\"216\",\"title\":\"Education and Communication \",\"alias\":\"education-and-communication\",\"introtext\":\"<h5>Mandate of the Education and Communication Department<\\/h5>\\r\\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\\u2019s website and targeted awareness campaigns to mention a few.<\\/p>\\r\\n<h5>Services offered<\\/h5>\\r\\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\\u2019s services for education purposes are free of charge for all consumers around the country.<\\/p>\\r\\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \\u2013 0860 627 627 or use the below contact details.<\\/p>\\r\\n<h5>Requests for Educational Activities and Media Relations<\\/h5>\\r\\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \\u2013 <a href=\\\"mailto:jgolele@ncr.org.za\\\">jgolele@ncr.org.za<\\/a><br \\/> Workshops \\u2013 <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> Media \\u2013 <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Winnie Rabathata - <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a><\\/p>\\r\\n<h5>What is over-indebtedness?<\\/h5>\\r\\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\\/p>\\r\\n<h5>What are some of the indicators of over-indebtedness?<\\/h5>\\r\\n<ul>\\r\\n<li>borrows money to pay other loans;<\\/li>\\r\\n<li>skips payments on some accounts in order to pay others;<\\/li>\\r\\n<li>receives letters of demand and\\/or summonses from creditors;<\\/li>\\r\\n<li>is thinking of being placed under debt administration or debt counselling;<\\/li>\\r\\n<li>has judgments passed against him\\/her;<\\/li>\\r\\n<li>is always absent from work, especially towards month end;<\\/li>\\r\\n<li>regularly feels emotionally stressed about money matters; and<\\/li>\\r\\n<li>is regularly losing money to rip-offs and frauds.<\\/li>\\r\\n<\\/ul>\\r\\n<h5>What are the causes of over-indebtedness?<\\/h5>\\r\\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\\/p>\\r\\n<ul>\\r\\n<li>Indulgence \\u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\\/li>\\r\\n<li>Ignorance of financial products \\u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\\/li>\\r\\n<li>Lack of proper planning<\\/li>\\r\\n<li>Social pressures \\u2013 peer, family<\\/li>\\r\\n<li>Change in circumstances \\u2013 divorce, retrenchment, death, etc.<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Economic upswing \\u2013 increasing interest rates<\\/li>\\r\\n<\\/ul>\\r\\n<h5>OVERCOMING OVER INDEBTEDNESS &amp; PERSONAL FINANCIAL MANAGEMENT<\\/h5>\\r\\n<h5><em>TIP # 1 Don\\u2019t ignore your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Know how much is coming in, and how much is going out;<\\/li>\\r\\n<li>List all the people you owe, including friends, family, neighbours etc;<\\/li>\\r\\n<li>Get a copy of your credit bureau record \\u2013 free of charge;<\\/li>\\r\\n<li>Keep in touch with your bank statement \\u2013 track all the deductions;<\\/li>\\r\\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\\/li>\\r\\n<li>Don\\u2019t be threatened or bullied into promising to pay what you don\\u2019t have; and<\\/li>\\r\\n<li>Review your budget regularly.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 2 Prioritise your debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Pay your essential expenses first \\u2013 electricity, rent, insurance;<\\/li>\\r\\n<li>Then pay your day-to-day expenses like transport and food;<\\/li>\\r\\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\\/li>\\r\\n<li>Seek expert advice before selling \\/ cancelling anything;<\\/li>\\r\\n<li>Don\\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 3 Don\\u2019t borrow to pay off debts<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Credit creates more debt, don\\u2019t borrow more to pay existing debts;<\\/li>\\r\\n<li>Don\\u2019t buy food on credit;<\\/li>\\r\\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\\/li>\\r\\n<li>Be very cautious when considering to take a consolidation loan<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 4 Cut down on your expenses<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Cut down on luxury items \\u2013 entertainment; TV subscriptions, holidays etc;<\\/li>\\r\\n<li>Make a list of \\u201cwants\\u201d and \\u201cneeds\\u201d and focus on needs;<\\/li>\\r\\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\\/li>\\r\\n<li>Consider early settlement so that you can save on interest and other cost; and<\\/li>\\r\\n<li>Review your insurance policies from time to time \\u2013 use an independent financial advisor.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP # 5 Don\\u2019t wait until goods are repossessed<\\/em><\\/h5>\\r\\n<h5><em>TIP # 6 Start saving<\\/em><\\/h5>\\r\\n<ul>\\r\\n<li>Put aside some money for unforeseen circumstances;<\\/li>\\r\\n<li>Be consistent, save every month \\u2013 no matter how small the amount is.<\\/li>\\r\\n<\\/ul>\\r\\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\\\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\\\">click here for more information<\\/a>)<\\/em><\\/h5>\\r\\n<h5>ABOUT CREDIT INFORMATION<\\/h5>\\r\\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\\/p>\\r\\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\\/p>\\r\\n<h5>HOW TO ACCESS YOUR CREDIT REPORT<\\/h5>\\r\\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\\/p>\\r\\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\\/p>\\r\\n<!--<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>CompuScan<\\/td>\\r\\n<td>0861 514 131<\\/td>\\r\\n<td><a href=\\\"www.compuscan.co.za\\\">www.compuscan.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Experian<\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<td><a href=\\\"www.experian.co.za\\\">www.experian.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>TransUnion<\\/td>\\r\\n<td>0861 886 466<\\/td>\\r\\n<td><a href=\\\"www.transunion.co.za\\\">www.transunion.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>XDS<\\/td>\\r\\n<td>0860 937 000<\\/td>\\r\\n<td><a href=\\\"www.xds.co.za\\\">www.xds.co.za<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><\\/p>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"5\\\" cellpadding=\\\"5\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>CompuScan\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861514131<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.compuscan.co.za\\/\\\">www.compuscan.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:info@compuscan.co.za\\\">info@compuscan.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>Experian<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861105665\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.experian.co.za\\/\\\">www.experian.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>TransUnion\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861886466<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.transunion.co.za\\/\\\">www.transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>XDS<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0860937000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.xds.co.za\\/\\\">www.xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>Consumer Profile Bureau <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0105909505<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.consumerprofilebureau.com\\\">www.consumerprofilebureau.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:support@cpbonline.co.za\\\">support@cpbonline.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>VeriCred Credit Bureau<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0871503602<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.vccb.co.za\\\">www.vccb.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>Credit Ombud<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>0861 662837<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\\/p>\\r\\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\\/p>\\r\\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\\/p>\\r\\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\\/h5>\\r\\n<p>Below is a table on retention periods:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Details and results of complaints lodged by consumers<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity \\/ person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Factual information pertaining to the payment profile of the consumer<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Subjective classifications of consumer behaviour\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Adverse classifications of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Classification related to enforcement action taken by the credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>1 year or within the period prescribed in section 71A.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Debt restructuring <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per section 86 of the Act,<br \\/> an order given by the Court<br \\/> or Tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Civil court Judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Civil court Judgments including default court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>The earlier of 5 years or<br \\/> until the judgment is<br \\/> rescinded by a court or<br \\/> abandoned by the credit<br \\/> provider in terms of section<br \\/> 86 of the Magistrates Courts<br \\/> Act 32 of 1944 or within the<br \\/> period prescribed in section<br \\/> 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Maintenance judgments<\\/strong><br \\/> <strong>in terms of the Maintenance<\\/strong><br \\/> <strong>Act 99 of 1998<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>until the judgment is<br \\/> rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Administration Orders<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years or until order is<br \\/> rescinded by court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Sequestrations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5years or until rehabilitation<br \\/> order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>10<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Liquidations<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Unlimited periods<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>11<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<h5><br \\/>THE RIGHT TO APPLY FOR CREDIT<\\/h5>\\r\\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\\/p>\\r\\n<h5>THE RIGHT TO DISCLOSURE<\\/h5>\\r\\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\\/p>\\r\\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\\/p>\\r\\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\\/h5>\\r\\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\\/strong>.<\\/p>\\r\\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\\/h5>\\r\\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\\/p>\\r\\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\\/h5>\\r\\n<p>You have the right:<\\/p>\\r\\n<ol>\\r\\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\\/li>\\r\\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\\u00a0 of R20 excluding Vat for any further records;<\\/li>\\r\\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\\/li>\\r\\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\\/li>\\r\\n<\\/ol>\\r\\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED<\\/h5>\\r\\n<p>If you experience problems with servicing your debts take the following steps:<\\/p>\\r\\n<ol>\\r\\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;<\\/li>\\r\\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\\\">Click here to view consumer Tips<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=71&amp;catid=20\\\">Click here for Campaigns<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=33&amp;catid=20\\\">Click here for Brochures<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-27 12:27:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-27 12:25:18\",\"publish_up\":\"2020-07-14 15:37:40\",\"publish_down\":\"0000-00-00 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12:44:26',915,1880,'b1a65219d61f4dfc7da852f70171cd72b116c4c0','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Consumer Affairs\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<p>{loadmodule mod_azdirectory,Provincial Consumer Affairs Department}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-27 12:44:26\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-27 12:44:23\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"127\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(764,20,1,'','2021-01-27 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00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"140\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(766,20,1,'','2021-01-27 14:36:31',915,1899,'6062835f102661d9941df96b62036cf4bd22bc1c','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Offices\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<p>{loadmodule mod_azdirectory,Provincial Consumer Affairs Department}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-27 14:36:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-27 14:36:17\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"141\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(767,7,2,'','2021-01-28 14:50:31',915,1803,'6fb64fac9ee6cc9c2a4e176dd02520ef15bc7e54','{\"id\":7,\"name\":\"Kwa-Zulu Natal\",\"alias\":\"kwa-zulu-natal\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"033 264 2500\",\"fax\":\"033 264 2676\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"tshepiso.selepe@kznedtea.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 14:49:24\",\"ordering\":\"7\",\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"21\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.kznedtea.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 10:40:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 14:50:31\",\"modified_by\":\"915\",\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":4,\"hits\":\"0\"}',0),(768,1,2,'','2021-01-28 14:51:42',915,1797,'124cdab68ec2b83bdbac2a01bbe0322d3451cdf7','{\"id\":1,\"name\":\"Eastern Cape \",\"alias\":\"eastern-cape\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"086 000 7255\",\"fax\":\"086 611 4305\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"charnette.ferreira@dedea.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 14:50:59\",\"ordering\":\"1\",\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"21\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.dedea.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 08:59:10\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 14:51:42\",\"modified_by\":\"915\",\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":6,\"hits\":\"0\"}',0),(769,8,2,'','2021-01-28 14:54:02',915,1784,'370368765237eba4806d6cdfe4fd327b2dd1da2e','{\"id\":8,\"name\":\"Northern Cape\",\"alias\":\"northern-cape\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"053 839 4000\",\"fax\":\"053 831 5547\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"jspeek@ncpg.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 14:53:21\",\"ordering\":\"8\",\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"21\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.ncpg.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 10:42:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 14:54:02\",\"modified_by\":\"915\",\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":2,\"hits\":\"0\"}',0),(770,4,2,'','2021-01-28 14:54:57',915,1776,'36577ca074c50394f9a1adb9b94d94dee12b11d2','{\"id\":4,\"name\":\"Limpopo\",\"alias\":\"limpopo\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"015 293 8542\",\"fax\":\"015 295 5740\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"mabokodc@ledet.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 14:54:13\",\"ordering\":\"4\",\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"21\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.ledet.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 10:37:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 14:54:57\",\"modified_by\":\"915\",\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":2,\"hits\":\"0\"}',0),(771,5,2,'','2021-01-28 14:56:10',915,1780,'9bb6a01abbd8c7c047e644e82b0bb52db39b77cd','{\"id\":5,\"name\":\"North West\",\"alias\":\"north-west\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"018 387 7872\",\"fax\":\"018 384 9440\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"eletsogo@nwpg.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 14:55:18\",\"ordering\":\"5\",\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"21\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.nwpg.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 10:38:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 14:56:10\",\"modified_by\":\"915\",\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":2,\"hits\":\"0\"}',0),(772,93,1,'','2021-01-28 15:03:35',915,3338,'79fc45c2f556e578ec39060edcbea68fe2f9ae52','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>127 - 15th Road (Head office)<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a> \\/ <a href=\\\"mailto:workshops@ncr.porg.za\\\">workshops@ncr.porg.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 15:03:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 15:02:33\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":25,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"70\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(773,93,1,'','2021-01-29 11:17:00',915,3387,'87e03b9fb323ed3c2c6978ae7a8da38cc4816744','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>127 - 15th Road (Head office)<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.porg.za\\\">workshops@ncr.porg.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-29 11:17:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-29 11:15:57\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":26,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"71\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(774,93,1,'','2021-01-29 12:48:00',915,3385,'4aeb86fa2292a262791ed2524653357456179608','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>127 - 15th Road (Head office)<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-29 12:48:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-29 12:47:42\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":27,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"74\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(775,93,1,'','2021-02-03 08:14:47',915,3407,'dbdf3b4990d9327f3fbfcc49235cc751ca592608','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road (Head office)<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>-->\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-03 08:14:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-03 08:07:20\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":28,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"77\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(776,93,1,'','2021-02-03 08:56:00',915,3393,'d7c5ae3615b845d1cf5634d4525493ba1c8e5681','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>-->\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-03 08:56:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-03 08:55:51\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":30,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"79\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(777,93,1,'','2021-02-03 10:44:46',915,3389,'5add3eb5c536f0e636156cf192fed86cc676de56','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>--><\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-03 10:44:46\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-03 10:43:46\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":31,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"82\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(778,93,1,'','2021-02-03 10:48:53',915,3404,'12e544f0be30e78148e89ab7c1a3f79c2edc3d53','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>--><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-03 10:48:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-03 10:44:46\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":32,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"83\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(779,107,1,'','2021-02-09 10:46:50',915,5437,'dda1c89dff4747be509e5b2233b55e82ea5f240d','{\"id\":107,\"asset_id\":258,\"title\":\"Avoid spending what you do not have on Black Friday!\",\"alias\":\"avoid-spending-what-you-do-not-have-on-black-friday\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2020<\\/strong><\\/p>\\r\\n<p>It is beyond doubt that this year has been exceptionally difficult for everyone in many ways. The Covid-19 pandemic which resulted in loss of income, retrenchments and salary reductions for some consumers, added extra financial pressure on the already-financially \\u2013stressed households and\\/or individuals. The effect of the aforementioned factors is that consumers are likely to find themselves battling to meet their current financial obligations, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>Some consumers are looking forward to the upcoming Black Friday deals and bargains. Certain retailers have already announced that this year\\u2019s \\u201cBlack Friday\\u201d deals will start earlier, says Du Plooy. In these difficult economic times, consumers are cautioned to avoid partaking in this year\\u2019s Black Friday if they did not properly plan or budget for it. They should rather save their money for emergencies. Consumers are further advised not to use credit for Black Friday as using credit does not amount to saving. Instead, consumers will end up paying more due to the addition of interest and other fees such as monthly service fees, once- off initiation fees, credit life insurance etc, adds Du Plooy.<\\/p>\\r\\n<p>Du Plooy cautions that failure to pay back credit will have negative and adverse consequences for consumers such as being adversely listed at the credit bureaus and or having legal action being taken against them by credit providers to recover their monies.<\\/p>\\r\\n<p>Although Black Friday may be beneficial for some consumers, it may also create financial strain to those who participate without a proper budget and planning. A budget is a crucial tool which assists consumers to know whether they can afford certain deals or not.<\\/p>\\r\\n<p><strong>Helpful tips for consumers for Black Friday:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Set a realistic budget of what you can afford to spend and stick to it;<\\/li>\\r\\n<li>Plan and draw up a list of what you need;<\\/li>\\r\\n<li>Check the items and prices before Black Friday to do a comparison on the prices and to ensure that you are getting a better deal;<\\/li>\\r\\n<li>Avoid buying food on credit;<\\/li>\\r\\n<li>Avoid using unregistered credit providers to get quick loans as you will pay dearly for those;<\\/li>\\r\\n<li>Remember, cash is king!<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact: <\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or<br \\/> Ntombizodwa Mahlangu<br \\/> Cell: 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-02-09 10:46:50\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-09 10:46:50\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-02-09 10:46:50\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(780,107,1,'','2021-02-09 10:47:18',915,5456,'41e74cd63da12969a2748fa1966a78835b8bacdd','{\"id\":107,\"asset_id\":\"258\",\"title\":\"Avoid spending what you do not have on Black Friday!\",\"alias\":\"avoid-spending-what-you-do-not-have-on-black-friday\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2020<\\/strong><\\/p>\\r\\n<p>It is beyond doubt that this year has been exceptionally difficult for everyone in many ways. The Covid-19 pandemic which resulted in loss of income, retrenchments and salary reductions for some consumers, added extra financial pressure on the already-financially \\u2013stressed households and\\/or individuals. The effect of the aforementioned factors is that consumers are likely to find themselves battling to meet their current financial obligations, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>Some consumers are looking forward to the upcoming Black Friday deals and bargains. Certain retailers have already announced that this year\\u2019s \\u201cBlack Friday\\u201d deals will start earlier, says Du Plooy. In these difficult economic times, consumers are cautioned to avoid partaking in this year\\u2019s Black Friday if they did not properly plan or budget for it. They should rather save their money for emergencies. Consumers are further advised not to use credit for Black Friday as using credit does not amount to saving. Instead, consumers will end up paying more due to the addition of interest and other fees such as monthly service fees, once- off initiation fees, credit life insurance etc, adds Du Plooy.<\\/p>\\r\\n<p>Du Plooy cautions that failure to pay back credit will have negative and adverse consequences for consumers such as being adversely listed at the credit bureaus and or having legal action being taken against them by credit providers to recover their monies.<\\/p>\\r\\n<p>Although Black Friday may be beneficial for some consumers, it may also create financial strain to those who participate without a proper budget and planning. A budget is a crucial tool which assists consumers to know whether they can afford certain deals or not.<\\/p>\\r\\n<p><strong>Helpful tips for consumers for Black Friday:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Set a realistic budget of what you can afford to spend and stick to it;<\\/li>\\r\\n<li>Plan and draw up a list of what you need;<\\/li>\\r\\n<li>Check the items and prices before Black Friday to do a comparison on the prices and to ensure that you are getting a better deal;<\\/li>\\r\\n<li>Avoid buying food on credit;<\\/li>\\r\\n<li>Avoid using unregistered credit providers to get quick loans as you will pay dearly for those;<\\/li>\\r\\n<li>Remember, cash is king!<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact: <\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or<br \\/> Ntombizodwa Mahlangu<br \\/> Cell: 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-11-12 10:46:50\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-09 10:47:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-09 10:46:50\",\"publish_up\":\"2020-11-12 10:46:50\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(781,108,1,'','2021-02-09 10:53:07',915,6241,'2dd8ebd0e5675bed45075ee48dce4f12f00ab159','{\"id\":108,\"asset_id\":259,\"title\":\"2020 has been difficult for many, spend wisely for a better New Year\",\"alias\":\"2020-has-been-difficult-for-many-spend-wisely-for-a-better-new-year\",\"introtext\":\"<p align=\\\"right\\\"><strong>December 2020<\\/strong><\\/p>\\r\\n<p>Do not allow impulsive and spontaneous spending during the festive season make your January an excruciating one, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR). \\u201cIf you enter January unprepared, the month will seem longer compared to other months\\u201d. \\u201cAvoid excessive spending with an aim of impressing friends, family or even strangers\\u201d, she cautions.<\\/p>\\r\\n<p>Many will receive their December salaries mid-month as opposed to the end of the month as is usually the norm. This does not mean that you should spend all of it before the end of December. Bear in mind that the very same salary should cater for debit orders at the end of December and also for all January\\u2019s expenses such as rent, food, electricity, transport and additional expenses such as school fees, school uniforms, registration fees, stationery etc. advises Du Plooy.<\\/p>\\r\\n<p>Many consumers who spend without a proper budget during the festive season end up applying for credit in order to get through January. When their applications for credit are declined by registered credit providers due to affordability, they opt for unregistered credit providers such as Mashonisas, Skoppersetc<em>. <\\/em>Unregistered credit providers charge consumers exorbitant interest and uses unlawful tactics such as retention of cards and PINs to collect their monies. Du Plooy urges consumers to report such conduct by unregistered credit providers to the National Credit Regulator on 0860 627\\u00a0727 \\/ <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>.<\\/p>\\r\\n<p>The COVID-19 pandemic has caused financial strain to many consumers, which calls for consumers to save more and spend less. She advises consumers battling to repay their debts to seek assistance by contacting their credit providers for assistance. If this fails, they should contact registered debt counsellors for assistance. Du Plooy, however, cautions consumers to be wary of debt counsellors who use misleading marketing and advertising practices, particularly on social media platforms such as Facebook to lure consumers into their businesses. \\u201cThese advertisements are misleading in nature as they misrepresent the spirit and the objectives of the National Credit Act regarding the provisions of debt counselling as a debt relief measure.\\u201d An example of these advertisements is \\u201cNCR DC is giving South Africans \\u201cExtra Cash\\u201d to enjoy by reducing debt interest and protection from repossession of assets. Free assessment sms \\u201cYES\\u201d.\\u201d<\\/p>\\r\\n<p>Du Plooy gives the following tips to consumers during these difficult times:<\\/p>\\r\\n<ul>\\r\\n<li>If you have credit life insurance, submit a claim in the event of loss of income, retrenchment, disability or death;<\\/li>\\r\\n<li>If you get a bonus, count yourself lucky and use it wisely to repay debt and save as you do not know what the future holds;<\\/li>\\r\\n<li>Do not be tempted by \\u201cSales \\/ Specials\\u201d in the shops, stick to your budget;<\\/li>\\r\\n<li>Always remember that budgeting is crucial, do one and spend wisely!<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact: <\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or<br \\/> Ntombizodwa Mahlangu<br \\/> Cell: 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-12-08 12:52:59\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-09 10:53:07\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-12-08 12:52:52\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(783,109,1,'','2021-02-10 08:25:54',915,7673,'9f99e74232b26cfac05d5c44bec344b92dd1f7d6','{\"id\":109,\"asset_id\":260,\"title\":\"Start the 2021 on a good note, spend wisely borrow wisely!\",\"alias\":\"start-the-2021-on-a-good-note-spend-wisely-borrow-wisely\",\"introtext\":\"<p align=\\\"right\\\"><strong>January 2020<\\/strong><\\/p>\\r\\n<p>It is that time of the year where some consumers will feel like Januworry is three months long because of their financial situation. Unfortunately, some consumers are currently finding it difficult to meet their financial obligations such as school fees, school uniform, transport, rent, etc. Consumers who might need to borrow money or take out credit should read and understand their credit agreements before signing, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator (NCR). According to the National Credit Act, consumers have a right to receive information in a plain and understandable language and to receive reasons from the credit provider if their application is declined.<\\/p>\\r\\n<p>If all registered credit providers decline your application, it means that there is a problem prompting a need to work on your finances as your financial woes might be bigger than you realise. This is the time to seek assistance by negotiating for lower instalments with your current credit providers, paying off and closing some accounts. This might be possible if you downgrade your lifestyle, especially during a time when you are battling financially. Visit your budget to check what you can eliminate and that which you can downgrade.<\\/p>\\r\\n<p>Du Plooy says that consumers should avoid unregistered credit providers such as (Mashonisas \\/ Skoppers) to access credit as they will pay dearly at the end. Unregistered credit providers charge exorbitant interest rates and use other illegal collection mechanisms such as card retention. <br \\/> Consumers should not agree to pay an \\u201cupfront fee\\u201d, warns Du Plooy. This is a fee charged mostly by unregistered or even fake credit providers before they give the consumer the money they are applying for. This fee has many names such as attorney\\u2019s fees, release fee, admin fee etc. In terms of the National Credit Act, it is illegal for a credit provider to make a consumer pay them upfront. Consumers should not confuse this with a deposit as there is no deposit when taking out a loan. The bottom line though, is that the prospective credit provider will never give you the money you are requesting, they will suck you dry before they vanish. Know your rights and spare your money, says Du Plooy.<\\/p>\\r\\n<p>Remember the festive season has come and gone and you are still here, so make the best of this year by spending and borrowing wisely. Save for the future as there is no better time like now, adds Du Plooy.<\\/p>\\r\\n<p>Tips for consumers:<\\/p>\\r\\n<ul>\\r\\n<li><strong>Understand the cost of credit<\\/strong>. The cost of credit includes interest rate, once off initiation fees, monthly service fees, credit life insurance, etc. To understand the cost of credit, consumers should be given a pre-agreement statement and quotation (valid for 5 business days). These should disclose all the costs involved in the credit agreement that a consumer signs.<\\/li>\\r\\n<li><strong>Do not sign a blank credit agreement\\/document - <\\/strong>read the content first, understand and ask relevant questions. You may sign ONLY when satisfied.<\\/li>\\r\\n<li><strong>Be honest and truthful when applying. <\\/strong>If you are dishonest about your monthly expenses when applying, you will lose the protection offered in the National Credit Act if you need to raise reckless lending in the future.<\\/li>\\r\\n<li><strong>Borrow only when it is absolutely necessary to do so<\\/strong> and avoid using credit for consumables such as groceries.<\\/li>\\r\\n<li><strong>Understand credit life insurance - <\\/strong>Familiarise yourself with the terms and conditions of the credit life insurance to avoid surprises when you mostly need the cover from the insurance. Credit life insurance can be a life saver when you cannot repay the debt for reasons such as loss of income, unemployment, disability etc.<\\/li>\\r\\n<li><strong>Pay your debts on time -<\\/strong> Paying late or not paying the full instalment will adversely\\/negatively affect your credit report and in turn your ability to qualify for credit in the future. If you think you cannot meet your monthly instalments, contact your credit providers immediately and try to re-arrange payments. Do not wait until you skip payments.<\\/li>\\r\\n<li><strong>Check your credit report often-<\\/strong> You are entitled to a free credit report once a year.<\\/li>\\r\\n<li><strong>Contact the NCR for a free educational workshop <\\/strong>\\u2013 The NCR conducts workshops for consumers around the country at no cost.<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Ntombizodwa Mahlangu<br \\/> 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a> <br \\/> Call centre: 0860 627 627<br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-02-10 08:25:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-10 08:25:54\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-02-10 08:25:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(784,109,1,'','2021-02-10 08:27:18',915,7692,'02628b161cdb663131a1e84c34e1c696a8e524e7','{\"id\":109,\"asset_id\":\"260\",\"title\":\"Start the 2021 on a good note, spend wisely borrow wisely!\",\"alias\":\"start-the-2021-on-a-good-note-spend-wisely-borrow-wisely\",\"introtext\":\"<p align=\\\"right\\\"><strong>January 2020<\\/strong><\\/p>\\r\\n<p>It is that time of the year where some consumers will feel like Januworry is three months long because of their financial situation. Unfortunately, some consumers are currently finding it difficult to meet their financial obligations such as school fees, school uniform, transport, rent, etc. Consumers who might need to borrow money or take out credit should read and understand their credit agreements before signing, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator (NCR). According to the National Credit Act, consumers have a right to receive information in a plain and understandable language and to receive reasons from the credit provider if their application is declined.<\\/p>\\r\\n<p>If all registered credit providers decline your application, it means that there is a problem prompting a need to work on your finances as your financial woes might be bigger than you realise. This is the time to seek assistance by negotiating for lower instalments with your current credit providers, paying off and closing some accounts. This might be possible if you downgrade your lifestyle, especially during a time when you are battling financially. Visit your budget to check what you can eliminate and that which you can downgrade.<\\/p>\\r\\n<p>Du Plooy says that consumers should avoid unregistered credit providers such as (Mashonisas \\/ Skoppers) to access credit as they will pay dearly at the end. Unregistered credit providers charge exorbitant interest rates and use other illegal collection mechanisms such as card retention. <br \\/> Consumers should not agree to pay an \\u201cupfront fee\\u201d, warns Du Plooy. This is a fee charged mostly by unregistered or even fake credit providers before they give the consumer the money they are applying for. This fee has many names such as attorney\\u2019s fees, release fee, admin fee etc. In terms of the National Credit Act, it is illegal for a credit provider to make a consumer pay them upfront. Consumers should not confuse this with a deposit as there is no deposit when taking out a loan. The bottom line though, is that the prospective credit provider will never give you the money you are requesting, they will suck you dry before they vanish. Know your rights and spare your money, says Du Plooy.<\\/p>\\r\\n<p>Remember the festive season has come and gone and you are still here, so make the best of this year by spending and borrowing wisely. Save for the future as there is no better time like now, adds Du Plooy.<\\/p>\\r\\n<p>Tips for consumers:<\\/p>\\r\\n<ul>\\r\\n<li><strong>Understand the cost of credit<\\/strong>. The cost of credit includes interest rate, once off initiation fees, monthly service fees, credit life insurance, etc. To understand the cost of credit, consumers should be given a pre-agreement statement and quotation (valid for 5 business days). These should disclose all the costs involved in the credit agreement that a consumer signs.<\\/li>\\r\\n<li><strong>Do not sign a blank credit agreement\\/document - <\\/strong>read the content first, understand and ask relevant questions. You may sign ONLY when satisfied.<\\/li>\\r\\n<li><strong>Be honest and truthful when applying. <\\/strong>If you are dishonest about your monthly expenses when applying, you will lose the protection offered in the National Credit Act if you need to raise reckless lending in the future.<\\/li>\\r\\n<li><strong>Borrow only when it is absolutely necessary to do so<\\/strong> and avoid using credit for consumables such as groceries.<\\/li>\\r\\n<li><strong>Understand credit life insurance - <\\/strong>Familiarise yourself with the terms and conditions of the credit life insurance to avoid surprises when you mostly need the cover from the insurance. Credit life insurance can be a life saver when you cannot repay the debt for reasons such as loss of income, unemployment, disability etc.<\\/li>\\r\\n<li><strong>Pay your debts on time -<\\/strong> Paying late or not paying the full instalment will adversely\\/negatively affect your credit report and in turn your ability to qualify for credit in the future. If you think you cannot meet your monthly instalments, contact your credit providers immediately and try to re-arrange payments. Do not wait until you skip payments.<\\/li>\\r\\n<li><strong>Check your credit report often-<\\/strong> You are entitled to a free credit report once a year.<\\/li>\\r\\n<li><strong>Contact the NCR for a free educational workshop <\\/strong>\\u2013 The NCR conducts workshops for consumers around the country at no cost.<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Ntombizodwa Mahlangu<br \\/> 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a> <br \\/> Call centre: 0860 627 627<br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-01-12 08:25:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-10 08:27:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-10 08:26:36\",\"publish_up\":\"2021-01-12 08:25:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(787,110,1,'','2021-02-10 09:11:02',915,4370,'7aa2effed3c2f140d5e155733ab8182ecc985dfc','{\"id\":110,\"asset_id\":261,\"title\":\"Industry Communique for issuing 1 Febr 2021\",\"alias\":\"industry-communique-for-issuing-1-febr-2021\",\"introtext\":\"<p><strong>Dear Industry Stakeholder<\\/strong><\\/p>\\r\\n<p>In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry may require the NCR to establish and maintain, in the prescribed manner and form, a single national register of outstanding credit agreements.<\\/p>\\r\\n<p>With the promulgation of the Financial Sector Regulation Act, 2017 (FSRA) in August 2017, the South African Reserve Bank\\u2019s (SARB) mandate was expanded to include an explicit financial stability responsibility. The SARB is responsible for protecting and enhancing financial stability by monitoring the global and domestic environment for risks and vulnerabilities and mitigating them through macro-prudential policy action.\\u00a0<\\/p>\\r\\n<p>This responsibility requires the SARB to, among other things, increase its focus on credit risk by expanding its database with more granular credit data and improving credit information reporting systems.\\u00a0At the same time, more granular credit data will serve the SARB\\u2019s price stability mandate\\u00a0 and promote more prudent risk-management practices and enhance prudential supervision by the Prudential Authority (PA).<\\/p>\\r\\n<p>In light of this, in July 2019, Governor Lesetja Kganyago recommended to the Department of Trade, Industry and Competition (DTIC) Minister Ebrahim Patel to establish a central credit register (CCR) for South Africa. In September 2019, Minister Patel agreed and requested the NCR to cooperate with the SARB and other stakeholders to create and maintain a national register of credit agreements for South Africa, as considered in section 69 of the NCA.<\\/p>\\r\\n<p>Consequently, a CCR Steering Committee (Committee) was set up in December 2019 to drive the establishment of a CCR for South Africa. Members of the Committee include the National Credit Regulator, South African Reserve Bank, Prudential Authority, Financial Sector Conduct Authority, Financial Intelligence Centre, the National Treasury and the Department of Trade, Industry and Competition. Work has been ongoing, and it is envisaged that the financial sector industry will be engaged for discussion and consultations in the first quarter of 2021.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>More detailed communication will follow in due course.<\\/p>\\r\\n<p>For inquiries contact Lebogang\\u00a0 Selibi at <a href=\\\"mailto:ccr@ncr.org.za\\\">ccr@ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-02-10 09:11:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-10 09:11:02\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-02-10 09:11:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(789,81,1,'','2021-02-10 09:32:11',915,8558,'d6e410c0b291455029859f86637ce0f9a3610951','{\"id\":81,\"asset_id\":\"219\",\"title\":\"Managing debt during COVID-19 times\",\"alias\":\"managing-debt-during-covid-19-times\",\"introtext\":\"<p style=\\\"font-weight: 400; text-align: right;\\\"><strong>July 2020<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">As South Africa is battling with the rapid spread of CODIV-19 and how to stimulate economic activities, many consumers are in financial distress and struggling to repay debts as a result of reduced and complete loss of income. The National Credit Act (NCA) offers various debt relief measures for financially embattled consumers struggling to repay debts and consumers are encouraged to consider these measures where applicable, advises Adv. Kedilatile Legodi, Acting Manager: Education and Communication at the National Credit Regulator (NCR).\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Below are the various NCA debt relief measures to consider:<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Credit Life Insurance<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Credit life insurance is an insurance that a consumer purchases when applying for credit or loan. It covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. In the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle \\/ pay the consumer\\u2019s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers who would like to use this relief measure but battling to get assistance from their credit providers can send a complaint to the National Credit Regulator. However, it is important for consumers to remember that in order to benefit from credit life insurance, all payments regarding the credit life insurance policy must be up to date.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<strong>Debt Counselling \\/ Review<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Debt counselling is a debt relief measure intended to assist over-indebted consumers struggling with debt, through budget advice, negotiation with credit providers for reduced payments, extension of repayment term and restructuring of debt. Debt counselling also offers consumers protection against repossession or legal action by credit providers. Consumers who have been negatively impacted by the effects of the COVID-19 pandemic resulting in reduced income are encouraged to consider this debt relief measure since an income is required to apply for debt counselling. However, before signing up for debt counselling, consumers must ensure that the process is understood in detail and the implications thereof. Debt counselling is offered by the NCR registered debt counsellors who operate nationwide. A list of registered debt counsellors can be found on the NCR website\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>\\u00a0or by contacting the NCR on 0860 627\\u00a0627.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Surrender of goods<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The NCA allows consumers to voluntarily surrender \\/ return goods to credit providers when they can no longer afford to maintain the repayments or can foresee that they will not be able to maintain future payments. In terms of section 127 of the NCA,\\u00a0credit agreements under which goods can be surrendered are instalment agreements, secured loans or leases.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Legodi says that there is a process to be followed, which consumers are encouraged to understand before they give notice to a credit provider to return the goods. The credit provider is required to provide the consumer with a letter setting out the estimated value of the goods, ten (10) business days after the consumer gave notice to surrender or return the goods, whichever is the latest. The consumer may withdraw the notice to surrender within 10 business days after receiving the estimated value letter, if the account is not in arrears. The credit provider will sell the returned goods in an attempt to settle the debt. However, there is no guarantee that the credit provider will sell the goods for what the consumer still owes. If the proceeds from the sale are insufficient to settle the outstanding debt, the consumer will be liable to pay the shortfall after the sale. Consumers are also encouraged to privately sell goods that they can no longer afford to repay in an attempt to obtain the best possible price, advises Legodi.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">For consumers with a need to borrow or loan money, they should do so having considered their ability to repay the debt and only use NCR registered credit providers. Consumers should never enter into any agreement with unregistered credit providers who usually retain bank cards, SASSA cards, identity documents etc. as security and a collection method. The retention of cards or identity documents is prohibited and a criminal offence in terms of the NCA. Consumers are urged to report credit providers who retain these instruments to the South African Police Service and the NCR, concludes Legodi.<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>Ends<\\/strong><strong>\\u00a0<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>For more information contact:<\\/strong>\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Cell: 064\\u00a0752 3926<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Media Office:\\u00a0<a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-07-16 09:53:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-10 09:32:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-10 09:32:07\",\"publish_up\":\"2020-07-16 09:53:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"9\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"21\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(791,42,1,'','2021-02-12 14:36:59',915,8865,'73bbfc20799951a1a5ed72e2cc51cb892fea2b6c','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"500\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>INSTITUTION NAME<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email Address<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Contact Number<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>UNIVERSITY OF PRETORIA ENTERPRISE<\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>012 434 2500\\/5235<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>RESONANCE INSTITUTE OF LEARNING<\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">\\r\\n<p>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>COMPUSCAN\\/EXPERIAN<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>RUDO CONSULTING<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>012 663 3251\\/082 871 5586 , 076 156 8366<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:36:59\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:36:07\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"71\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(792,42,1,'','2021-02-12 14:39:28',915,8593,'9ce9016e5538fb8fb431aa180c0d08457f336e63','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">University of pretoria enterprise<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">Resonance institute of learning<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:39:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:36:59\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"72\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(793,42,1,'','2021-02-12 14:39:56',915,8607,'a98d019286be75b04590775d95f9b8cc2a78a0ba','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"450\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">University of pretoria enterprise<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">Resonance institute of learning<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:39:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:39:28\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"73\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(794,42,1,'','2021-02-12 14:40:47',915,8607,'b3a1938676047fad7d2591d03e635c4d16f446ce','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"350\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">University of pretoria enterprise<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">Resonance institute of learning<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:40:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:39:56\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":19,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"74\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(795,42,1,'','2021-02-12 14:42:08',915,8571,'aec6dd00f27ff0ec0a54e74c8d310ec8748e13dd','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"350\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">University of pretoria enterprise<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">Resonance institute of learning<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:42:08\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:40:47\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":20,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"75\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(796,42,1,'','2021-02-12 14:43:22',915,8449,'8a6ac712e68fb59a68a5186de9b4cd03d8abcd56','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"500\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>University of pretoria enterprise<\\/td>\\r\\n<td><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td>012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Resonance institute of learning<\\/td>\\r\\n<td><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:43:22\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:42:08\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":21,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"76\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(798,51,1,'','2021-02-26 10:23:04',915,2485,'fed797415c182411c1099bedb252549af29e1fbd','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/ADR\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/ADR\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/ADR\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/ADR\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-26 10:23:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-26 10:19:56\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"143\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(799,51,1,'','2021-02-26 10:29:14',915,2629,'fa48311ca7feb9a58bd379d0ba5742bb3cbfa092','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-26 10:29:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-26 10:23:04\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"144\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(800,51,1,'','2021-02-26 10:34:16',915,2665,'c04aaf16c52adfcef09b0e2290412580e3aa8b8d','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-26 10:34:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-26 10:32:08\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"149\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(801,51,1,'','2021-02-26 10:38:25',915,2656,'1380d94380058455acbc677704e44b48224f3532','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 47.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-26 10:38:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-26 10:34:16\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"151\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(802,94,1,'','2021-03-01 15:03:27',915,3082,'d446f8b4b762cf511125b03f920f69832c63d833','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<li>A letter from the auditor\\/accounting officer confirming that the registered activities have ceased and that all consumer credit information has been deleted from your system.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-03-01 15:03:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-03-01 15:03:13\",\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"53\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(803,44,1,'','2021-03-01 15:10:50',915,11207,'d8aeef57499c0421f646d8d9620eca829f5a71fb','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<li>New customer on-boarding procedure<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<li><strong>Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).<\\/li>\\r\\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-03-01 15:10:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-03-01 15:09:15\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":31,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"145\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(804,98,1,'','2021-03-01 15:16:55',915,2909,'55dd9596dbd26273a96fb9944d9af98cc77bfc32','{\"id\":98,\"asset_id\":\"238\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-adr\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate and the window decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2020-09-29 16:25:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-03-01 15:16:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-03-01 15:15:45\",\"publish_up\":\"2020-09-29 16:25:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"53\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(805,94,1,'','2021-03-01 15:20:40',915,3098,'cd26c4505be369c79adfaba90355820241be70db','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate and the window decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<li>A letter from the auditor\\/accounting officer confirming that the registered activities have ceased and that all consumer credit information has been deleted from your system.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-03-01 15:20:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-03-01 15:20:22\",\"publish_up\":\"2020-09-29 11:11:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"55\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(852,111,1,'','2021-04-16 13:23:48',915,5607,'390f316a834355f1d26f4bf1f2abff2b8a9ed926','{\"id\":111,\"asset_id\":263,\"title\":\"The NCR and the Credit Ombud rowing together in the same boat.\",\"alias\":\"the-ncr-and-the-credit-ombud-rowing-together-in-the-same-boat\",\"introtext\":\"<p>The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers.<\\/p>\\r\\n<p>The NCR is responsible for regulating credit providers and is tasked with carrying out education, research, proposing policies to the Minister, registration of industry participants, investigation of disputes and ensuring the enforcement of the NCA 34 of 2005. The Credit Ombud is a voluntary, non-statutory body; afforded recognition under Section 11 of the Financial Services Ombud Scheme Act, 2004 and is an Ombud with jurisdiction in terms of the NCA; which engages in the resolution of disputes arising within the non-bank credit industry and consumers.<\\/p>\\r\\n<p>Working together is pivotal to building and maintaining the spirit and objective of the NCA.<\\/p>\\r\\n<hr \\/>\\r\\n<p>Section 139 of the NCA provides that the NCR may, upon acceptance of a dispute, refer such dispute to an Ombud with jurisdiction for the purpose of assisting the credit provider and consumer to resolve the dispute. The NCR agreed that all disputes against members of the Credit Ombud will be referred to the Credit Ombud for resolution. The Credit Ombud resolves disputes between consumers and credit providers relating to credit agreements and credit information, this covers all disputes of clothing and furniture retail accounts, micro lenders, and other non-bank loans.<\\/p>\\r\\n<p>The MoU will see the NCR and Credit Ombud work together on several areas of co-operation. The main elements include the following<\\/p>\\r\\n<ul>\\r\\n<li>As an alternative to disputes being investigated by the NCR against subscribing members of the Credit Ombud, the NCR shall refer non-bank credit agreement and credit information matters to the Credit Ombud;<\\/li>\\r\\n<li>Quarterly reporting to the NCR by the Credit Ombud regarding the resolution of disputes referred by the NCR;<\\/li>\\r\\n<li>Capacity building and training programmes;<\\/li>\\r\\n<li>Outreach initiatives and credit industry awareness and education;<\\/li>\\r\\n<li>Research and information sharing.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The services offered by the Credit Ombud is FREE to consumers wanting to resolve their disputes arising from within the non-bank credit industry. Consumers are not bound by the ruling or decision of the Credit Ombud and may refer a matter to the NCR.<\\/p>\\r\\n<p>Working together is pivotal to building and maintaining the spirit and objective of the NCA.<\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>NCR Contact details:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>Call Centre:<\\/strong> 0860 627 627<br \\/> <strong>Reception:<\\/strong> 011 554 2700<br \\/> <strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\"> info@ncr.org.za<\\/a> \\/ <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> \\/ <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> <strong>Website:<\\/strong> <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\"><strong>Credit Ombud Contact details:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>Call center:<\\/strong> 0861 662 837<br \\/> <strong>Reception:<\\/strong> 011 781 6431<br \\/> <strong>SMS:<\\/strong> \\u2018Help\\u2019 to 44786<br \\/> <strong>Email:<\\/strong> <a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><br \\/><strong>Twitter:<\\/strong> @creditombud<br \\/> <strong>Facebook:<\\/strong> @creditombud <br \\/><strong>Website<\\/strong>: <a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-04-16 13:23:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-16 13:23:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-04-16 13:23:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(853,50,1,'','2021-04-16 14:11:41',915,2754,'183193a3638cb110bb254055bb880ced045b88e4','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Debt Counselor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Annexure_Confirmation_of_payment_of_fees_DC.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/REGISTRANT INFORMATION UPDATE FORM DC (2).docx\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-16 14:11:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-16 14:10:48\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"391\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(855,27,1,'','2021-04-20 15:54:16',915,5646,'0a6301a9132c1bdbf725eccf8e2ff154ce890c10','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"650\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-20 15:54:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-20 15:53:42\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":19,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1598\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(856,40,1,'','2021-04-29 13:55:03',915,9733,'9b10ac04c36e2425f61105ee0d8bb2acbe7e05da','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an Alternative Dispute Resolution Agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of at least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-29 13:55:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 13:53:04\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"486\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(857,44,1,'','2021-04-29 13:58:21',915,11174,'d410553a6cd46f53080e773d8c083525f887d785','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<p>2. In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below:\\r\\n<table border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (group structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreements (SLA) with the key contractors\\/outsourced service providers;<\\/li>\\r\\n<li>Copies of the HR policies and procedures:\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<li>New customer on-boarding procedure<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<li><strong>Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).<\\/li>\\r\\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>NB: The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-29 13:58:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 13:57:19\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":33,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"429\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(858,43,1,'','2021-04-29 14:00:37',915,10067,'3900876f2b76558edfb34cd5a44571090ce10cba','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>Proof of payment of the registration fees\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><strong>Providers of developmental credit (Section 41)<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-29 14:00:37\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 13:59:38\",\"publish_up\":\"2019-04-11 10:44:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1618\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(859,42,1,'','2021-04-29 14:02:26',915,8417,'16ef54e64f6bbc5c11b92fe8ac595e465da975a7','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"500\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>University of pretoria enterprise<\\/td>\\r\\n<td><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td>012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Resonance institute of learning<\\/td>\\r\\n<td><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-29 14:02:26\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 14:01:28\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":22,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"488\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(860,41,1,'','2021-04-29 14:04:29',915,9077,'b7bbae38a603f58e0d2a725441eef8f880da8d93','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(b) <u>Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(c) <u>Competence<\\/u><\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\\r\\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/u><\\/strong><u> <\\/u><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>\\u00a0\\u00a0Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>\\u00a0\\u00a0Initial registration fee of R100\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>\\u00a0\\u00a0 Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.,<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">(scope of work attached)<\\/a>.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-29 14:04:29\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 14:03:17\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"373\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(861,45,1,'','2021-04-29 14:06:59',915,9667,'949eeb61ea410d3f03f8cd5bd6f56b91750f0a60','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/><br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<li>An overview of the company\\u2019s strategy and processes around data, including data sources, loading and storage of data, processes with data suppliers and data sources.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-29 14:06:59\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 14:05:17\",\"publish_up\":\"2019-04-11 13:19:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":27,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"330\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(893,33,1,'','2021-05-27 09:50:11',915,6052,'ef72e2417f7f5d1e7fba6d15fa580a3184ba5db3','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\">SASBO section 127 NCA final.pdf<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-05-27 09:50:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-05-27 09:49:23\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":34,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1987\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(894,33,1,'','2021-05-27 09:50:57',915,6105,'1da9560547f0f9dd016506aa7d63ebed61fce5b9','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\">SASBO section 127 NCA final.pdf<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-05-27 09:50:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-05-27 09:50:11\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":35,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1988\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(895,33,1,'','2021-05-27 09:53:25',915,6166,'6c36315c95d6582eaa6955321f97f19c973c3f89','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<ul class=\\\"text-center\\\" style=\\\"list-style-position: inside;\\\">\\r\\n<li><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\">SASBO section 127 NCA final.pdf<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-05-27 09:53:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-05-27 09:50:57\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":36,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1990\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(897,29,1,'','2021-05-27 18:36:47',915,4450,'f7da987d09a52e71fb1a4c8fde6f12378018a2d1','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/27 May 2021-Debt Withdrawal review.pdf\\\">NCR debt review withdrawal guidelines 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines For Standard Court Order03.pdf\\\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Annexure A- Standardized Court Order Template.pdf\\\">Annexure A- Standardized Court Order Template<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-05-27 18:36:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-05-27 18:33:44\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3268\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(898,29,1,'','2021-05-27 18:38:33',915,4451,'025312637f12f03d93f192caea80767bb0326418','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/27 May 2021-Debt Withdrawal  review.pdf\\\">NCR debt review withdrawal guidelines 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines For Standard Court Order03.pdf\\\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Annexure A- Standardized Court Order Template.pdf\\\">Annexure A- Standardized Court Order Template<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-05-27 18:38:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-05-27 18:36:47\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3269\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(908,112,1,'','2021-06-21 16:05:28',915,5673,'e6de89629b331a9b4f0bb9d3463d9fc59f33f68c','{\"id\":112,\"asset_id\":264,\"title\":\"The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d\",\"alias\":\"the-national-credit-regulator-warns-against-false-information-on-the-national-credit-amendment-act-relating-to-debt-intervention\",\"introtext\":\"<p align=\\\"right\\\"><strong>June 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<p>Although, the National Credit Amendment Act (the Act) was signed into law, it is not yet in operation and await an implementation date to be promulgated. This simply means that it is currently not in effect, stressed Du Plooy.<\\/p>\\r\\n<p>The NCR has discovered several online scams, such as \\u201cask.auntykaryn.co.za\\u201d which direct consumers to apply to certain companies in order to qualify for their debts to be written off under debt intervention. This is incorrect and misleading!\\u00a0<\\/p>\\r\\n<p>It has to be emphasized that consumers will only be assisted for debt intervention once the Act has been promulgated by the President.\\u00a0 Consumers should beware these scams and avoid falling victims to them, she says.<\\/p>\\r\\n<p>Du Plooy provides the following insight about \\u201cDebt Intervention\\u201d:<\\/p>\\r\\n<ul>\\r\\n<li>Consumers should not fall prey or victims to scams where companies and individuals direct them to pay for services with the promise that their debts will be written off. Consumers are encouraged to verify such information with the NCR on 0860 627\\u00a0627 before any payments are made or agreements entered into.<\\/li>\\r\\n<li>Consumers who are battling with the repayments on their debts can contact a registered debt counsellor directly for assistance.<\\/li>\\r\\n<li>There is no basis for consumers to utilise agents to get to a debt counsellor and pay agent fees.<\\/li>\\r\\n<li>All registered debt counsellors can be found on the NCR\\u2019s website at <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or consumers can contact the NCR on 0860 627\\u00a0627 for assistance in this regard.<\\/li>\\r\\n<li>Consumers are further cautioned to never give their personal details such as their ID numbers to strangers telephonically or online.<\\/li>\\r\\n<li>A current scam that leads consumers to a website is <a href=\\\"https:\\/\\/ask.auntykaren.co.za\\\">https:\\/\\/ask.auntykaren.co.za<\\/a>. Consumers are cautioned not to visit this website, to be vigilant and avoid this scam.<\\/li>\\r\\n<li>Remember if it sounds too good to be true, it usually is.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>\\u00a0<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<\\/p>\\r\\n<p align=\\\"center\\\">Winnie Rabathata<br \\/> 064\\u00a0752 3923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-06-21 16:05:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-06-21 16:05:28\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-06-21 16:05:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(914,113,1,'','2021-07-01 12:55:48',915,8573,'ab8c5f1560493a6306a6be05d10169e4615a5b5c','{\"id\":113,\"asset_id\":265,\"title\":\"The importance of knowing your credit status\",\"alias\":\"the-importance-of-knowing-your-credit-status\",\"introtext\":\"<p align=\\\"right\\\"><strong>June 2021<\\/strong><\\/p>\\r\\n<p>According to the National Credit Regulator\\u2019s (NCR) Credit Bureau Monitor (CBM), out of 27.41 million credit active consumers, about 395\\u00a0000 consumers accessed their credit reports in the quarter ending in December 2020. The CBM shows that a significant number of consumers do not check their credit reports as often as they ought to. Although, there has been an increase in the number of consumers accessing their credit reports, the figures still remain low, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>In order to assist consumers to understand more about credit reports, Du Plooy provides an explanation. A credit report provides a consumer\\u2019s credit information such as a person\\u2019s credit history, including applications for credit, credit agreements to which a person is or has been a party, pattern of payment or defaults under any such credit agreements, debt review status etc. Further to the type of information kept at the credit bureaus, the National Credit Act also stipulates how long the information should be kept at the credit bureaus, adds Du Plooy.<\\/p>\\r\\n<p>Consumers are entitled to one free credit report once per annum from any of the four consumer credit bureaus listed below. By accessing their credit reports, consumers will have insight into what is contained in their credit reports. They will also be able to dispute any incorrect information with the credit bureau where they obtained their credit reports, make necessary payments where required and ultimately work on fixing their credit reports if there are any adverse listings, judgments etc., advises Du Plooy. Accessing a credit report will also assist consumers to know if they are a victim of identity fraud.<\\/p>\\r\\n<p>A healthy credit profile will enable a consumer to qualify for credit and get a lower interest rates as opposed to someone who has a bad credit report. A credit report can also be checked in instances where a company is considering a candidate for employment in a position that requires honesty in dealing with cash or finances. A bad credit report might affect your chances of getting a job, adds Du Plooy<\\/p>\\r\\n<p>Our message to the youth is to aim to keep a clean credit profile all the time. This can be done by avoiding unnecessary credit, paying all debts as and when required and saving for emergencies. She also added that consumers should avoid taking debt for other people. For an example, you take clothes for your partner on credit with the promise that they will make monthly repayments. In this instance, consumers should remember that the person responsible for payment of the debt is the one who signs the credit agreement as the verbal agreement they made to you will not count.<\\/p>\\r\\n<p>The NCR urges all consumers to contact any of the below credit bureaus and request a free copy of their credit report, in particular the youth since it is their month. Consumers should dispute any incorrect information with the credit bureaus. <br \\/> Only escalate to the Credit Ombud if the credit bureaus cannot assist you, concludes Du Plooy.<\\/p>\\r\\n<p><strong>Contact Credit Bureaus<\\/strong><\\/p>\\r\\n<table border=\\\"0\\\" width=\\\"500\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\"><br \\/> <strong>Experian<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>(011)\\u00a0799-3400\\/ 086\\u00a0151 4131<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.experian.co.za\\/\\\">www.experian.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>TransUnion\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0861 886 466<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.transunion.co.za\\/\\\">www.transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>XDS<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0860 937 000<br \\/> (011) 645-9100<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.xds.co.za\\/\\\">www.xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Consumer Profile Bureau <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>(010)590-9505<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.consumerprofilebureau.com\\\">www.consumerprofilebureau.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:support@cpbonline.co.za\\\">support@cpbonline.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Credit Ombud<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0861 662 837<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>National Credit Regulator<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\"><a href=\\\"mailto:www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p align=\\\"center\\\">Ends<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Winnie Rabathata: 0647523923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-07-01 12:55:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-01 12:55:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-07-01 12:55:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(915,113,1,'','2021-07-01 12:57:04',915,8637,'e2af7b60e7487019f48767dbdf55d8777a59d13d','{\"id\":113,\"asset_id\":\"265\",\"title\":\"The importance of knowing your credit status\",\"alias\":\"the-importance-of-knowing-your-credit-status\",\"introtext\":\"<p align=\\\"right\\\"><strong>June 2021<\\/strong><\\/p>\\r\\n<p>According to the National Credit Regulator\\u2019s (NCR) Credit Bureau Monitor (CBM), out of 27.41 million credit active consumers, about 395\\u00a0000 consumers accessed their credit reports in the quarter ending in December 2020. The CBM shows that a significant number of consumers do not check their credit reports as often as they ought to. Although, there has been an increase in the number of consumers accessing their credit reports, the figures still remain low, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>In order to assist consumers to understand more about credit reports, Du Plooy provides an explanation. A credit report provides a consumer\\u2019s credit information such as a person\\u2019s credit history, including applications for credit, credit agreements to which a person is or has been a party, pattern of payment or defaults under any such credit agreements, debt review status etc. Further to the type of information kept at the credit bureaus, the National Credit Act also stipulates how long the information should be kept at the credit bureaus, adds Du Plooy.<\\/p>\\r\\n<p>Consumers are entitled to one free credit report once per annum from any of the four consumer credit bureaus listed below. By accessing their credit reports, consumers will have insight into what is contained in their credit reports. They will also be able to dispute any incorrect information with the credit bureau where they obtained their credit reports, make necessary payments where required and ultimately work on fixing their credit reports if there are any adverse listings, judgments etc., advises Du Plooy. Accessing a credit report will also assist consumers to know if they are a victim of identity fraud.<\\/p>\\r\\n<p>A healthy credit profile will enable a consumer to qualify for credit and get a lower interest rates as opposed to someone who has a bad credit report. A credit report can also be checked in instances where a company is considering a candidate for employment in a position that requires honesty in dealing with cash or finances. A bad credit report might affect your chances of getting a job, adds Du Plooy<\\/p>\\r\\n<p>Our message to the youth is to aim to keep a clean credit profile all the time. This can be done by avoiding unnecessary credit, paying all debts as and when required and saving for emergencies. She also added that consumers should avoid taking debt for other people. For an example, you take clothes for your partner on credit with the promise that they will make monthly repayments. In this instance, consumers should remember that the person responsible for payment of the debt is the one who signs the credit agreement as the verbal agreement they made to you will not count.<\\/p>\\r\\n<p>The NCR urges all consumers to contact any of the below credit bureaus and request a free copy of their credit report, in particular the youth since it is their month. Consumers should dispute any incorrect information with the credit bureaus. <br \\/> Only escalate to the Credit Ombud if the credit bureaus cannot assist you, concludes Du Plooy.<\\/p>\\r\\n<p><strong>Contact Credit Bureaus<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" width=\\\"500\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\"><br \\/> <strong>Experian<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>(011)\\u00a0799-3400\\/ 086\\u00a0151 4131<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.experian.co.za\\/\\\">www.experian.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>TransUnion\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0861 886 466<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.transunion.co.za\\/\\\">www.transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>XDS<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0860 937 000<br \\/> (011) 645-9100<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.xds.co.za\\/\\\">www.xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Consumer Profile Bureau <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>(010)590-9505<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.consumerprofilebureau.com\\\">www.consumerprofilebureau.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:support@cpbonline.co.za\\\">support@cpbonline.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Credit Ombud<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0861 662 837<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>National Credit Regulator<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\"><a href=\\\"mailto:www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p align=\\\"center\\\">Ends<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Winnie Rabathata: 0647523923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-07-01 12:55:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-01 12:57:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-01 12:55:48\",\"publish_up\":\"2021-07-01 12:55:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(916,43,5,'','2021-07-01 14:15:14',915,571,'20c4dd59adbe69687a0c919d52aea06cdd0f9d4d','{\"id\":43,\"asset_id\":266,\"parent_id\":\"1\",\"lft\":\"81\",\"rgt\":82,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2021-07-01 14:15:14\",\"modified_user_id\":null,\"modified_time\":\"2021-07-01 14:15:14\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(917,114,1,'','2021-07-01 14:15:31',915,1762,'771ef0c33a5d01031cbcea33523e276cbe9202f1','{\"id\":114,\"asset_id\":267,\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"43\",\"created\":\"2021-07-01 14:15:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-01 14:15:31\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-07-01 14:15:31\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(918,114,1,'','2021-07-01 14:22:10',915,2226,'a094d186cf48d7bb63365f0aaae98992563411d0','{\"id\":114,\"asset_id\":\"267\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"800\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"43\",\"created\":\"2021-07-01 14:15:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-01 14:22:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-01 14:22:01\",\"publish_up\":\"2021-07-01 14:15:31\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(923,115,1,'','2021-07-06 15:56:18',915,7957,'411152b31a96270bdad67cda7e4276bad891f375','{\"id\":115,\"asset_id\":268,\"title\":\"Credit extension slows down\",\"alias\":\"credit-extension-slows-down\",\"introtext\":\"<p align=\\\"right\\\"><strong>July 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021. The total value of new credit granted decreased by 10.11% quarter-on-quarter from R154.42 billion to R138.81 billion. The number of credit agreements entered into decreased by 12.66% quarter-on-quarter from 3.66 million to 3.20 million.<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended March 2021:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R8.40 billion (13.40%) quarter-on-quarter and increased by R15.33 billion (39.39%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R6.57 billion (13.82%) quarter-on-quarter, and increased by R1.87 billion (4.77%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.91 billion (10.78%) quarter-on-quarter and by R440.37 million (2.29%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R2.69 billion (11.77%) quarter-on-quarter and by R5.18 billion (20.47%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion, representing an increase of 1.27% quarter-on-quarter and of 2.68% year-on-year. The trends for outstanding balances for the quarter ended March 2021 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R27.10 billion (2.67%) for the quarter ended March 2021 and by R54.05 billion (5.47%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R1.55 billion (0.34%) for the quarter ended March 2021 and by R8.43 billion (1.88%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book decreased by R498.01 million (0.19%) for the quarter ended March 2021 and increased by R167.49 million (0.06%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R3.46 billion (1.60%) for the quarter ended March 2021 and by R10.92 billion (4.88%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 27.53 million credit-active consumers, which showed an increase of 0.44% when compared to the 27.41 million in the previous quarter. Consumers classified in good standing increased by 216,007 to 17.01 million consumers. This amounts to 61.80% of the total number of credit-active consumers, an increase of 0.84% quarter-on-quarter and a decrease of 0.78% year-on-year. The number of credit active accounts decreased from 90.47 million to 85.09 million in the quarter ended March 2021. The number of impaired accounts has decreased from 23.85 million (26.34%) to 20.18 million (23.71%) in March 2021, a decrease of 3,650,424 quarter-on-quarter and increased by 296,911 year-on-year.<\\/p>\\r\\n<p>The number of credit reports issued to consumers increased from 394,458 to 584,437. A total of 493,538 (84.45%) credit reports were issued free of charge, and the balance of 90,899 (15.55%) were issued at a cost. There were 25,404 disputes lodged on information held on consumer credit records for the quarter ended March 2021, a decrease of 4.50% quarter-on-quarter and 35.80% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR recognises that consumers are indeed facing tough times and encourages those who are battling to keep up with their debt to utilise the different debt relief options provided for in the National Credit Act and by the industry. Consumers battling with their debt can approach their credit providers directly to negotiate for lower instalments or for some kind of relief on their debts. If this fails, consumers can approach a registered debt counsellor for assistance.<\\/p>\\r\\n<p>Motshegare further advises consumers who qualify to claim from their credit life insurance. Credit life insurance covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. In the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle \\/ pay the consumer\\u2019s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers can also enquire from the Department of Labour about unemployment insurance fund (UIF) applications.<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the December 2020 and March\\u00a0 2021 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the March 2020 and March 2021 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Winnie Rabathata: 064\\u00a0752 3923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a><br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-07-06 15:56:18\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-06 15:56:18\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-07-06 15:56:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(930,114,1,'','2021-07-08 14:39:55',915,2209,'fa36b81027dfdbc204628f0121d3168eb8f807cb','{\"id\":114,\"asset_id\":\"267\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"800\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":0,\"catid\":\"43\",\"created\":\"2021-07-01 14:15:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 14:39:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 14:39:50\",\"publish_up\":\"2021-07-01 14:15:31\",\"publish_down\":\"\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"165\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(945,30,1,'','2021-07-08 15:12:03',915,8776,'669f175cf705852e8ab8d6d6a84ef253468baf4f','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\" cellpadding=\\\"5\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"158\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\" width=\\\"444\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"158\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\" width=\\\"444\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2013<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:12:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:11:38\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":19,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2410\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(946,30,1,'','2021-07-08 15:12:20',915,8758,'0765433d6a200aa17c737cf0f7ea9d87c79bdf5a','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"158\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\" width=\\\"444\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"158\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\" width=\\\"444\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2013<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:12:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:12:03\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":20,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2412\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(947,30,1,'','2021-07-08 15:13:04',915,8702,'978715050c05d3ffee20f91186f2222c88fd0653','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2013<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:13:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:12:20\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":21,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2414\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(948,30,1,'','2021-07-08 15:13:30',915,8721,'f1fbba163ce7d108acdd819a0a0565705572a002','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2013<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:13:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:13:04\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":22,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2415\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(949,30,1,'','2021-07-08 15:13:44',915,9271,'7ac7bd702051ecc257bbfd8ea62691bda1896aa3','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 648px;\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 522.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 522.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2013<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2012<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2011<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2010<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2009<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2008<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2007<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2003<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:13:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:13:30\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":23,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2416\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(950,30,1,'','2021-07-08 15:17:39',915,8851,'2ad9208e7676bd67ee40f88327f2180649f6c0f0','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>2013<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Credit-and-Borrowing-in-South-Africa.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:17:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:13:44\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":24,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2418\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(951,30,1,'','2021-07-08 15:17:55',915,9401,'9090eec4f16f85aed29cb158d8c7b0fefcb96ac3','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 648px;\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 491.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 491.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\">\\r\\n<p align=\\\"center\\\"><strong>2013<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Credit-and-Borrowing-in-South-Africa.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2012<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2011<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2010<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2009<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2008<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2007<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2003<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:17:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:17:39\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":25,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2419\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(952,30,1,'','2021-07-08 15:38:04',915,8972,'0cbb56c244c9f832878eda77a017862e5f4bd087','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>2013<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Credit-and-Borrowing-in-South-Africa.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>2012<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-RESEARCH-ON-THE-INCREASE-OF.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:38:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:34:49\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":27,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2422\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(953,30,1,'','2021-07-08 15:38:15',915,9522,'e44e41fdbfa20c4813cc45dd3746baf8e87cb3fa','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 648px;\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 516.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 516.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\">\\r\\n<p align=\\\"center\\\"><strong>2013<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Credit-and-Borrowing-in-South-Africa.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\">\\r\\n<p align=\\\"center\\\"><strong>2012<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-RESEARCH-ON-THE-INCREASE-OF.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2011<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2010<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2009<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2008<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2007<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2003<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:38:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:38:04\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":28,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2423\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(956,116,1,'','2021-07-09 15:05:31',915,3914,'4acc6f2e90f3717329eb4aea1cc19797ad7cb314','{\"id\":116,\"asset_id\":269,\"title\":\"Alternative Data Landscape in South Africa\",\"alias\":\"alternative-data-landscape-in-south-africa\",\"introtext\":\"<p>The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of the work promptly, and when the reproduction is for educational and non-commercial purposes, without a fee, subject to such attributions and notices as we may reasonably require.<\\/p>\\r\\n<p>IFC does not guarantee the accuracy, reliability, or completeness of the content included in this work, or for the conclusions or judgments described herein, and accepts no responsibility or liability for any omissions or errors (including, without limitation, typographical errors and technical errors) in the content whatsoever or for reliance thereon. The findings, interpretations, and conclusions expressed in this volume do not necessarily reflect the views of the Executive Directors of the World Bank or the Governments they represent<\\/p>\\r\\n<p>The contents of this work are intended for general informational purposes only and are not intended to constitute legal, securities, or investment advice, an opinion regarding the appropriateness of any investment, or a solicitation of any type. IFC or its affiliates may have an investment in, provide other advice or services to, or otherwise have a financial interest in, certain of the companies and parties named herein.<\\/p>\\r\\n<p>All other queries on rights and licenses, including subsidiary rights, should be addressed to IFC Communications, 2121 Pennsylvania Avenue, N.W., Washington, D.C. 20433. International Finance Corporation is an international organization established by Articles of Agreement among its member countries, and a member of the World Bank Group. All names, logos, and trademarks are the property of IFC and you may not use any of such materials for any purpose without the express written consent of IFC. Additionally, \\u201cInternational Finance Corporation\\u201d and \\u201cIFC\\u201d are registered trademarks of IFC and are protected under international law.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-07-09 15:05:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-09 15:05:31\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-07-09 15:05:31\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(957,116,1,'','2021-07-09 15:06:19',915,4074,'0b68dc945f75722cfdf573921831103093be0ec8','{\"id\":116,\"asset_id\":\"269\",\"title\":\"Alternative Data Landscape in South Africa\",\"alias\":\"alternative-data-landscape-in-south-africa\",\"introtext\":\"<p>The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of the work promptly, and when the reproduction is for educational and non-commercial purposes, without a fee, subject to such attributions and notices as we may reasonably require.<\\/p>\\r\\n<p>IFC does not guarantee the accuracy, reliability, or completeness of the content included in this work, or for the conclusions or judgments described herein, and accepts no responsibility or liability for any omissions or errors (including, without limitation, typographical errors and technical errors) in the content whatsoever or for reliance thereon. The findings, interpretations, and conclusions expressed in this volume do not necessarily reflect the views of the Executive Directors of the World Bank or the Governments they represent<\\/p>\\r\\n<p>The contents of this work are intended for general informational purposes only and are not intended to constitute legal, securities, or investment advice, an opinion regarding the appropriateness of any investment, or a solicitation of any type. IFC or its affiliates may have an investment in, provide other advice or services to, or otherwise have a financial interest in, certain of the companies and parties named herein.<\\/p>\\r\\n<p>All other queries on rights and licenses, including subsidiary rights, should be addressed to IFC Communications, 2121 Pennsylvania Avenue, N.W., Washington, D.C. 20433. International Finance Corporation is an international organization established by Articles of Agreement among its member countries, and a member of the World Bank Group. All names, logos, and trademarks are the property of IFC and you may not use any of such materials for any purpose without the express written consent of IFC. Additionally, \\u201cInternational Finance Corporation\\u201d and \\u201cIFC\\u201d are registered trademarks of IFC and are protected under international law.<\\/p>\\r\\n<p><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-07-09 15:05:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-09 15:06:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-09 15:05:31\",\"publish_up\":\"2021-07-09 15:05:31\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(969,1,1,'','2021-08-03 15:57:50',915,2720,'3afa269a89a5008c8f3edde8fd18c6f00bc22962','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<h3 class=\\\"header\\\" style=\\\"text-decoration: none;\\\">WELCOME TO THE NATIONAL CREDIT REGULATOR<\\/h3>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator for the South African credit industry by the National Credit Act (34 of 2005) (NCA). It is tasked with consumer education, research, policy development, registration of industry participants, investigation of complaints and enforcement of the NCA.<\\/p>\\r\\n<p>The NCA requires the NCR to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR registers and ensures compliance to the NCA by the following industry participants: credit providers, credit bureaus, debt counsellors, alternative dispute resolution agents and payment distribution agents.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-08-03 15:57:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-08-03 15:52:32\",\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"6\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2941\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(972,117,1,'','2021-08-05 09:40:51',915,6160,'41647cddd9bb0e70a67e0af3239d9656e8388da2','{\"id\":117,\"asset_id\":274,\"title\":\"Men and finances\",\"alias\":\"men-and-finances\",\"introtext\":\"<p align=\\\"right\\\"><strong>July 2021<\\/strong><\\/p>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst others, mortgage bonds, vehicle finances, credit cards, personal loans, store cards etc.\\u00a0 This shows that credit plays an important role in people\\u2019s lives and if used properly, it can assist to build or accumulate assets, says Ms Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator (NCR). \\u201cHowever, if credit is used recklessly, it can cause serious financial strain which may leave many consumers struggling to repay their monthly debt instalments\\u201d.<\\/p>\\r\\n<p>Although, we do realise that financial problems are not gender specific, in celebrating Men\\u2019s Month in July, the NCR calls on all men to be financially savvy and take control of their finances. At times men try to increase their family household income by participating in different money making schemes such as stokvels, online trading, gambling, investments, excessive usage of their credit cards etc. While trying to increase household income, some men find themselves falling prey to fraudsters or taking more than they can chew. Some men accumulate a lot of debt and become vulnerable to scammers where they will be paying monies upfront with a promise of being given a loan or leave their identity documents with credit providers in order to get a loan.<\\/p>\\r\\n<p>Du Plooy advises all men with financial problems to have courage to seek professional advice. There are different debt relief measures available such as negotiations with credit providers for lower instalments, debt counselling, and the usage of credit life insurance for those who qualify etc. Thus, the NCR urges men to take control of their finances by doing a monthly budget, checking their free credit reports with credit bureaus and to also seek help when it is needed. <br \\/><br \\/> The NCR conducts consumer education workshops at no charge. If men groups \\/ organisations would like the NCR to conduct workshops for them on the National Credit Act which covers, amongst other topics, consumer rights, budgeting, credit information and credit bureaus, debt counselling, repossession etc. they should contact the NCR on 0860 627\\u00a0627 or on <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a> or <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a>.<\\/p>\\r\\n<p>Below are a few tips for men to remain financially savvy:<\\/p>\\r\\n<ul>\\r\\n<li>Avoid using credit cards to buy food, alcohol etc.<\\/li>\\r\\n<li>Compile a monthly budget and stick to it;<\\/li>\\r\\n<li>Cut unnecessary expenses from your budget;<\\/li>\\r\\n<li>Make provision for savings in your budget;<\\/li>\\r\\n<li>Seek professional help if you are battling with debt;<\\/li>\\r\\n<li>Only use registered credit providers. You can verify their registration with the National Credit Regulator on <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a>;<\\/li>\\r\\n<li>Do not give your personal details such as ID number, baking details etc. to strangers.\\u00a0\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p><strong>\\u00a0<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Winnie Rabathata<br \\/> 064\\u00a0752 3923 <br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-08-05 09:40:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-08-05 09:40:51\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-08-05 09:40:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(976,118,1,'','2021-08-11 14:56:13',915,8989,'dcdda2edb69dabb5575fa6fbcc988d4ef065567f','{\"id\":118,\"asset_id\":275,\"title\":\"Debt counselling offers new lease of life for over-indebted consumers\",\"alias\":\"debt-counselling-offers-new-lease-of-life-for-over-indebted-consumers\",\"introtext\":\"<p align=\\\"right\\\"><strong>August 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and restructuring debt, thereby protecting the consumer from legal action by credit providers. Debt counselling is by no means a savings mechanism and consumers should beware of misleading advertising which markets debt counselling by promising consumers monthly savings of about 60%, cautions Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>Consumers contemplating debt counselling should first understand the terms and conditions. Debt counselling is not a free service, costs and fees are applicable. Not everyone can qualify for debt counselling. In order to qualify for debt counselling, consumers must have a disposable income to enable negotiation for the reduction of installments, says Du Plooy. \\u201cOnly over-indebted consumers can qualify for debt counselling, if a consumer does not qualify, they will be rejected.\\u201d It is therefore, very important for consumers contemplating debt counselling to approach only registered debt counsellors who will advise them of all terms and conditions, costs and fees, as well as conduct proper financial assessments to determine if the consumer can qualify for debt counselling, adds Du Plooy.<\\/p>\\r\\n<p>Important considerations before contemplating debt counselling:<\\/p>\\r\\n<ul>\\r\\n<li>Consumers married in community of property need to apply for debt counselling jointly. What this means is that when two people are married in community of property, one cannot simply undergo debt counselling independently. Only those married out of community of property can apply for, and undergo debt counselling independently;<\\/li>\\r\\n<li>Consumers under debt administration cannot apply for debt counselling;<\\/li>\\r\\n<li>Consumers cannot apply for, or be granted any new credit while they undergo debt counselling;<\\/li>\\r\\n<li>Consumers can only exit debt counselling once they have settled all their short term debt which includes vehicle finance, credit and store cards, loans etc. and have received a clearance certificate from their debt counsellor;<\\/li>\\r\\n<li>Should a consumer have a home loan account, payments have to be up to date in terms of the debt counselling re-arrangement order before a clearance certificate is issued; and<\\/li>\\r\\n<li>A consumer will only be eligible to apply for, or be granted, new credit once they have been issued with a clearance certificate by a debt counsellor.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Remember that debt counselling is not offered free of charge. It is imperative that consumers understand this and are aware of the costs upfront. Debt counselling fees are as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Application fee: fifty rand (R50.00), payable prior to commencing the assessment. Paid upfront and in full;<\\/li>\\r\\n<li>Administration fee: three hundred rand (R300.00) per debt counselling application. Paid upfront and in full;<\\/li>\\r\\n<li>Attorney fees: To be agreed upon with the attorney and communicated with the consumer when applying for debt.<\\/li>\\r\\n<li>Restructuring fee is either equal to the distributable amount or a maximum fee of eight thousand rand (R8 000.00) for a single applicant. For consumers married in community of property, the restructuring fee is either equal to the distributable amount or a maximum fee of nine thousand rand (R9 000.00). The restructuring fee is a once off payable in month one (1) after the debt counsellor has drafted and submitted the restructuring documents.<\\/li>\\r\\n<li>After the assessment, if the consumer or debt counsellor strongly feels that there is reckless lending, the consumer is liable to pay a once-off fee of one thousand five hundred rand (R1\\u00a0500.00);<\\/li>\\r\\n<li>Aftercare fee: is payable monthly after month two (2) of the debt counselling service. The fee is equal to (five) 5% of the distributable amount up to a maximum fee of four hundred and fifty rand (R450.00);<\\/li>\\r\\n<li>NCT Submission fee - Submission of the National Consumer Tribunal\\u00a0 of R500 (excluding NCT filing fee); \\u00a0<\\/li>\\r\\n<li>Once the restructuring process is complete, a consumer can either make their payments directly to their credit provider or through a registered Payment Distribution Agent (PDA); and<\\/li>\\r\\n<li>Consumers should request a receipt from the debt counsellor upon payment of the application and administration fees. Debt Counsellors are prohibited from collecting and distributing debt counselling funds to credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Before signing up for debt counselling, consumers are advised to request information from their debt counsellor on how their debts will be restructured. Once signed up, consumers should also request to be given all debt counselling related documents such as their application form, restructuring proposal and court order. Du Plooy once again stressed the importance that debt counselling should only be done by a debt counsellor registered with the NCR and has a certificate that shows their names and their \\u201cNCRDC\\u201d number. Consumers have a right to demand to see this proof. The NCR also advises consumers to make use of debt counsellors who are in the vicinity of where they live or work as this enables them to physically visit the debt counsellor\\u2019s office if the need arises. It is also important to have your debt counsellor\\u2019s contact details, names, physical address etc. readily available.<\\/p>\\r\\n<p>Consumers can get a list of all registered debt counsellors on <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a>. Alternatively, consumers can call the NCR on 0860 627\\u00a0627, concludes Du Plooy.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or<br \\/> Didi Sebothoma 0647523910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a><br \\/> Winnie Rabathata 064 752 3923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a><br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-08-11 14:56:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-08-11 14:56:13\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-08-11 14:56:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(990,102,1,'','2021-08-19 11:59:15',915,4684,'a64f7b373749031b249513ac7296f2026ae5ffa2','{\"id\":102,\"asset_id\":\"244\",\"title\":\"Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue\",\"alias\":\"media-release-consumer-rights-webinar-consumer-protection-matters-to-come-under-spotlight-during-the-dtic-dialogue\",\"introtext\":\"<p align=\\\"right\\\"><strong>Date: 13 September 2020 <\\/strong><\\/p>\\r\\n<p><strong>Consumer protection matters to come under spotlight during the dtic dialogue<\\/strong><\\/p>\\r\\n<p>Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>) in conjunction with its agencies, the Competition Commission (CompCom), the National Consumer Commission (NCC) and the National Credit Regulator (NCR). The Webinar will take place on Thursday, 17 September 2020 at 14:00.<\\/p>\\r\\n<p>According to the Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina, the dialogue is aimed at educating consumers about consumer rights, more importantly during the COVID-19 pandemic and to outline the regulations that businesses must comply with.<\\/p>\\r\\n<p>She adds that the dialogue will amongst others; explain consumer rights and complaints processes, responsible credit lending, borrowing and spending, price hikes, amendments of the Competition Act and collusive conduct; including the process to report inflated prices.<\\/p>\\r\\n<p>\\u201cThe importance of educating consumers about their rights during the COVID-19 pandemic is critical, as some of the businesses may see an opening to exploit consumers and for unfair competition and practices to thrive amongst others. We want to educate consumers about responsible borrowing and spending, create awareness about the responsible lending by credit providers, update them on the cases under investigation for unfair business trading and create awareness on the steps and processes to follow in reporting price colluding,\\u201d says Gina.<\\/p>\\r\\n<p>Importantly, Gina says the dialogue will afford the panelists an opportunity to share with the audience the various support services, programmes, processes and recourses available to consumers and businesses during the COVID-19 pandemic, and further impress upon the need to keep a healthy credit life during these times.<\\/p>\\r\\n<p>Gina is encouraging consumers to be part of the conversation and acquire knowledge that will protect them from unfair business practices and exploitation.<\\/p>\\r\\n<p>Please click the link below to join the webinar:<br \\/> <a href=\\\"https:\\/\\/gcis.zoom.us\\/j\\/92253505093\\\">https:\\/\\/gcis.zoom.us\\/j\\/92253505093<\\/a><\\/p>\\r\\n<p>Enquiries:<br \\/> Sidwell Medupe-Departmental Spokesperson<br \\/> Tel: (012) 394 1650<br \\/> Mobile: 079 492 1774<br \\/> E-mail: MSMedupe@thedti.gov.za<br \\/> Issued by: The Department of Trade, Industry and Competition<br \\/> Follow us on Twitter:<br \\/> @the_dti<br \\/> @CompComSA<br \\/> @NCC_COVID19<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 07:56:04\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-08-19 11:59:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-08-19 11:59:10\",\"publish_up\":\"2020-10-09 07:56:04\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"13\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3654\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(991,119,1,'','2021-08-19 11:59:43',915,6432,'b7a9a1c7f6b1492f131eb147d50ae2eec074ea8a','{\"id\":119,\"asset_id\":276,\"title\":\"Looting mayhem has cost some consumers dearly\",\"alias\":\"looting-mayhem-has-cost-some-consumers-dearly\",\"introtext\":\"<p align=\\\"right\\\"><strong>August 2021<\\/strong><\\/p>\\r\\n<p>The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts. This is as a result of the job losses or salary reduction or temporary unemployment as some people will only be called back to work once businesses start functioning again. This means that when business owners are trying to rebuild, many people will be unable to make monthly repayments towards their debts, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>The destruction caused by the looters has left not only business owners, insurers and the government bearing the financial brunt, many others in the value chain such as employees of the vandalised and looted establishments, their families and surrounding small businesses are also affected financially. \\u201cIf you are a consumer of credit affected by the looting activities that transpired in Gauteng and KwaZulu-Natal leaving you unable to meet your monthly obligations, please inform your credit providers for debt relief assistance\\u201d, advises Du Plooy. Missing repayments will, no doubt affect consumers\\u2019 credit reports at the credit bureaus, hence it is imperative for consumers to contact their credit providers soonest.<\\/p>\\r\\n<p>Du Plooy also reminds consumers that credit life insurance which covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others can be a debt relief measure for those who qualify for it. Consumers are urged to check if their credit agreements are covered by credit life insurance because in the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle \\/ pay the consumer\\u2019s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers who would like to use this relief measure but battling to get assistance from their credit providers can send a complaint to the National Credit Regulator. However, it is important for consumers to remember that in order to benefit from credit life insurance, all installments for the credit agreement covered by the credit life insurance must be up to date.<\\/p>\\r\\n<p>Consumers whose income has been reduced may consider debt counselling as a debt relief solution. Debt counselling is a debt relief measure intended to assist over-indebted consumers struggling with debt, through budget advice, negotiation with credit providers for reduced payments, extension of repayment term and restructuring of debt.<\\/p>\\r\\n<p>For further advice on other debt relief options available in terms of the National Credit Act or further explanation on the above, consumers are welcome to contact the National Credit Regulator on 0860 627\\u00a0627 or <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a>, concludes Du Plooy.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<\\/p>\\r\\n<p align=\\\"center\\\">Didi Sebothoma \\u2013 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a><br \\/> Or<\\/p>\\r\\n<p align=\\\"center\\\">Winnie Rabathata - 064 752 3923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">NCR Share call: 0860 627 627<br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-08-19 11:59:43\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-08-19 11:59:43\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-08-19 11:59:43\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1014,39,1,'','2021-10-05 15:50:45',915,1930,'5a33dc7b9ebcd76283ad430084ec83a2c7ecfb2e','{\"id\":39,\"asset_id\":\"146\",\"title\":\"NCR BBBEE Certificate\",\"alias\":\"ncr-bbbee-certificate\",\"introtext\":\"<p><a href=\\\"documents\\/COR07-C2 - GENERIC SPECIALISED BEE Certificate - NCR.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2019-04-11 09:28:11\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-05 15:50:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-05 15:47:57\",\"publish_up\":\"2019-04-11 09:28:11\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3100\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1021,120,1,'','2021-10-13 15:57:51',915,7387,'9b560be512468625ff80be64aed362eecf7175c3','{\"id\":120,\"asset_id\":277,\"title\":\"Mortgages growth holds steady \",\"alias\":\"mortgages-growth-holds-steady\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from April 2021 to June 2021. The total value of new credit granted increased by 5.81% quarter-on-quarter from R138.81 billion to R146.87 billion. The number of credit agreements entered into increased by 9.63% quarter-on-quarter from 3.20 million to 3.50 million.<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2021:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R2.32 billion (4.27%) quarter-on-quarter and by R43.60 billion (335.77%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, increased by R2.23 billion (5.45%) quarter-on-quarter, and by R22.67 billion (110.50%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.18 billion (6.02%) quarter-on-quarter and by R11.33 billion (119.24%) year-on year.<\\/li>\\r\\n<li>Unsecured credit increased by R2.32 billion (11.51%) quarter-on-quarter and by R12.23 billion (119.71%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2021 was R2.05 trillion, representing an increase of 0.95% quarter-on-quarter and of 4.64% year-on-year. The trends for outstanding balances for the quarter ended June 2021 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R18.16 billion (1.74%) quarter\\u2013on-quarter and by R76.48 billion (7.77%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R3.12 billion (0.68%) quarter-on-quarter and by R16.06 billion (3.62%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R1.53 billion (0.58%) quarter-on-quarter and by R8.66 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R2.77 billion (1.30%) quarter-on-quarter and by R10.72 billion (4.85%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 26.22 million credit-active consumers, which showed a decrease of 4.77% when compared to the 27.53 million in the previous quarter. Consumers classified in good standing decreased by 868,581 to 16.14 million consumers. This amounts to 61.59% of the total number of credit-active consumers. The number of credit-active accounts decreased from 85.09 million to 85.08 million in the quarter ended June 2021. The number of impaired accounts has decreased from 20.18 million (23.71%) to 19.86 million (23.34%) in June 2021, a decrease of 313,348 quarter-on-quarter and 796,144 year-on-year.<\\/p>\\r\\n<p>The number of credit reports issued to consumers increased from 584,437 to 588,018. A total of 548,150 (93.22%) credit reports were issued free of charge, and the balance of 39,868 (6.78%) were issued at a cost. There were 30,844 disputes lodged on information held on consumer credit records for the quarter ended June 2021.<\\/p>\\r\\n<p>It is by no doubt that, COVID-19 has had a financial impact on consumers as some have lost employment whilst others have had a reduction in their income. This has therefore; put a lot of strain to immediate families and even extended families. The NCR continues to encourage those consumers who are battling with their debts to use available debt relief mechanisms such as contacting one\\u2019s credit providers and re-negotiating payment terms, if this fails, consumers can consider debt counselling. A list of all registered debt counsellors is available on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or by calling 0860 627 627). Credit life insurance is also an option to be considered where necessary. In order to know if you have credit life insurance, consumers should check their credit agreements or contact their credit providers for assistance, says Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March and June 2021 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2020 and June 2021 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong> <\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong> <br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma <br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-10-13 15:57:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-13 15:57:51\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-10-13 15:57:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1022,120,1,'','2021-10-13 16:05:13',915,7405,'cd6e8658758af6ec3576ddd898666421e7299702','{\"id\":120,\"asset_id\":\"277\",\"title\":\"Mortgages growth holds steady \",\"alias\":\"mortgages-growth-holds-steady\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from April 2021 to June 2021. The total value of new credit granted increased by 5.81% quarter-on-quarter from R138.81 billion to R146.87 billion. The number of credit agreements entered into increased by 9.63% quarter-on-quarter from 3.20 million to 3.50 million.<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2021:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R2.32 billion (4.27%) quarter-on-quarter and by R43.60 billion (335.77%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, increased by R2.23 billion (5.45%) quarter-on-quarter, and by R22.67 billion (110.50%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.18 billion (6.02%) quarter-on-quarter and by R11.33 billion (119.24%) year-on year.<\\/li>\\r\\n<li>Unsecured credit increased by R2.32 billion (11.51%) quarter-on-quarter and by R12.23 billion (119.71%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2021 was R2.05 trillion, representing an increase of 0.95% quarter-on-quarter and of 4.64% year-on-year. The trends for outstanding balances for the quarter ended June 2021 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R18.16 billion (1.74%) quarter\\u2013on-quarter and by R76.48 billion (7.77%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R3.12 billion (0.68%) quarter-on-quarter and by R16.06 billion (3.62%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R1.53 billion (0.58%) quarter-on-quarter and by R8.66 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R2.77 billion (1.30%) quarter-on-quarter and by R10.72 billion (4.85%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 26.22 million credit-active consumers, which showed a decrease of 4.77% when compared to the 27.53 million in the previous quarter. Consumers classified in good standing decreased by 868,581 to 16.14 million consumers. This amounts to 61.59% of the total number of credit-active consumers. The number of credit-active accounts decreased from 85.09 million to 85.08 million in the quarter ended June 2021. The number of impaired accounts has decreased from 20.18 million (23.71%) to 19.86 million (23.34%) in June 2021, a decrease of 313,348 quarter-on-quarter and 796,144 year-on-year.<\\/p>\\r\\n<p>The number of credit reports issued to consumers increased from 584,437 to 588,018. A total of 548,150 (93.22%) credit reports were issued free of charge, and the balance of 39,868 (6.78%) were issued at a cost. There were 30,844 disputes lodged on information held on consumer credit records for the quarter ended June 2021.<\\/p>\\r\\n<p>It is by no doubt that, COVID-19 has had a financial impact on consumers as some have lost employment whilst others have had a reduction in their income. This has therefore; put a lot of strain to immediate families and even extended families. The NCR continues to encourage those consumers who are battling with their debts to use available debt relief mechanisms such as contacting one\\u2019s credit providers and re-negotiating payment terms, if this fails, consumers can consider debt counselling. A list of all registered debt counsellors is available on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or by calling 0860 627 627). Credit life insurance is also an option to be considered where necessary. In order to know if you have credit life insurance, consumers should check their credit agreements or contact their credit providers for assistance, says Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March and June 2021 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2020 and June 2021 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong> <br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma <br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-10-13 15:57:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-13 16:05:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-13 15:57:51\",\"publish_up\":\"2021-10-13 15:57:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1023,93,1,'','2021-10-13 16:07:39',915,3520,'e9d20d81d465acf84fd48c7116836027357d1a27','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232-15th Road <strong>(Complaints Department)<\\/strong><br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>--><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-13 16:07:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-13 16:05:21\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":33,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12354\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1024,33,1,'','2021-10-14 13:29:06',915,6248,'e33de9d612ddbbc63c62f9ebfc78c13cf527cb7c','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<ul class=\\\"text-center\\\" style=\\\"list-style-position: inside;\\\">\\r\\n<li><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\">SASBO section 127 NCA final<br \\/> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/> <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:29:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:24:42\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":37,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6258\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1025,33,1,'','2021-10-14 13:30:01',915,6249,'6b261cfe74ddca05c7b34c733b3ad94e54b70fcd','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<ul class=\\\"text-center\\\" style=\\\"list-style-position: inside;\\\">\\r\\n<li><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/> SASBO section 127 NCA final <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:30:01\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:29:06\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":38,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6259\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1026,33,1,'','2021-10-14 13:30:44',915,6159,'f281a5d8e8ab8e992c3b86abd5817d322f48f6bc','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/><br \\/> SASBO section 127 NCA final <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:30:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:30:01\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":39,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6260\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1027,33,1,'','2021-10-14 13:32:58',915,6317,'5601752f5bab4b465552358e927090781ea37161','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><strong>Section 127 of the national credit act \\u2013 surrender of goods \\u2013 FAQ\'S<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/><br \\/> SASBO section 127 NCA final <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:32:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:30:44\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":40,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6261\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1028,33,1,'','2021-10-14 13:34:01',915,6311,'a7665be61dd6613e991a867a6071ab63168d887e','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><strong>Section 127 of the national credit act \\u2013 surrender of goods \\u2013 FAQ\'S<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/><br \\/> SASBO section 127 NCA <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:34:01\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:32:58\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":41,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6262\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1029,33,1,'','2021-10-14 13:38:32',915,6372,'3452990d70c51c3cc31fed6379a057ce93693547','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><strong>Section 127 of the national credit act \\u2013 surrender of goods \\u2013 FAQ\'S<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><a href=\\\"documents\\/NCR - SECTION 127 OF THE NATIONAL CREDIT ACT \\u2013 SURRENDER OF GOODS \\u2013 FAQ\\u2019s.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/><br \\/> SASBO section 127 NCA <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:38:32\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:34:01\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":42,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6265\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1030,93,1,'','2021-10-14 15:24:21',915,3543,'332490ede2b05ee8b99d64f3a5697ec4d165b32f','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232-15th Road <strong>(Call-Centre, Complaints and Investigations. )<\\/strong><br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>--><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 15:24:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 15:23:12\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":34,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12449\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1031,93,1,'','2021-10-14 15:24:57',915,3553,'5ec5c5cc9e15b745fc9050f620d52e01b93db93c','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232-15th Road <strong>(Call-Centre, Complaints and Investigations Department )<\\/strong><br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>--><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 15:24:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 15:24:21\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":35,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12450\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1032,27,1,'','2021-10-14 16:25:38',915,5895,'7d3d8a143241157045b6f138517262dfc9cc5d4e','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"650\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_-report_2020_2021.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR-AR2020-2021.pdf\\\">Annual Report 2020\\/2021<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 16:25:38\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 16:18:50\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":20,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"7077\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1033,33,1,'','2021-10-19 14:39:36',915,6370,'c27cd6dc47005fced0dda4d0a9d55c297d7363be','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><strong>Section 127 of the national credit act \\u2013 surrender of goods \\u2013 FAQ\'S<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><a href=\\\"documents\\/NCR_SECTION 127 OF THE NATIONAL CREDIT ACT \\u2013 SURRENDER OF GOODS \\u2013 FAQ\\u2019s.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/><br \\/> SASBO section 127 NCA <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-19 14:39:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-19 14:38:30\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":44,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6436\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1034,27,1,'','2021-10-20 17:04:50',915,5895,'9fa2e17c074dcdef759847fdfdcf28ca12fefa27','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"650\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_-report_2020_2021.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR-AR2020-2021.pdf\\\">Annual Report 2020\\/2021<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\u00a0 <img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-20 17:04:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-20 17:01:54\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":21,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"7279\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1036,121,1,'','2021-10-21 15:55:40',915,6414,'30eadc320a08c89e6518ce80b75e45a410ae146a','{\"id\":121,\"asset_id\":278,\"title\":\"It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit \",\"alias\":\"it-is-illegal-for-a-credit-provider-to-take-a-consumer-s-id-or-cards-when-granting-credit\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2021<\\/strong><\\/p>\\r\\n<p>\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the <em>modus operandi<\\/em> adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d. Ms Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator said that all people meeting voting requirements have a constitutional right to vote during elections held in the country. The National Credit Regulator is therefore, instructing all credit providers illegally in possession of consumers\\u2019 personal instruments to return them to the rightful owners as consumers will need their IDs in order to participate in the upcoming elections, she stressed.<\\/p>\\r\\n<p>If your bank card or identity document has been taken by a credit provider, you are urged to fetch it from that credit provider. Should they refuse to return these instruments, report the credit provider to your nearest South African Police Service as their conduct constitutes a criminal offence in terms of the National Credit Act, advises Du Plooy.<\\/p>\\r\\n<p>It is the responsibility of credit providers to thoroughly assess consumers\\u2019 applications and conduct an affordability assessment before advancing credit to any consumer. It is in contravention of the National Credit Act to extend credit when you have knowledge that a consumer does not qualify for such a loan. This might constitute reckless credit, she warns.<\\/p>\\r\\n<p>Du Plooy says that there seems to be confusion about who is supposed to register as a credit provider. In order to clarify this, she explains that it is a requirement for anyone lending money and charging interest, irrespective of the credit amount or the number of clients the credit provider has. Consumers are urged to only use credit providers registered with the National Credit Regulator. Maximum interest rates and other fees such as monthly service fees and once off initiation fees are regulated by the National Credit Act. This means that all credit providers, including smaller ones commonly known as <em>\\u201cLoan sharks<\\/em>\\u201d, \\u201c<em>Mashonisa\\u201d<\\/em> or \\u201c<em>Skoppers\\u201d<\\/em> must adhere to the maximum cost of credit as outlined in the National Credit Act.<\\/p>\\r\\n<p>If your application for credit is declined, you have the right to be given reasons by the credit provider for the decision. If the reason is, for example, a negative listing at the credit bureau, you need to pay the debt in question for this information to be removed. You do not need to pay a third party for the removal of information at the credit bureau. If the reason is affordability, ensure that you pay your current debt before applying for a new one. Running to unregistered credit providers will be the beginning of your non-ending financial woes, warns Du Plooy.<\\/p>\\r\\n<p>Consumers should contact the National Credit Regulator for additional information, to lodge a complaint or to report credit providers who keep consumers\\u2019 IDs, Bank \\/ SASSA cards at 0860 627\\u00a0627 or <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a>, concludes Du Plooy.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<\\/p>\\r\\n<p align=\\\"center\\\">Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-10-21 15:55:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-21 15:55:40\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-10-21 15:55:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1049,122,1,'','2021-11-16 13:50:53',915,6889,'63aeaca5118a2c1f8c7de35f0e3e6c2326eb09ae','{\"id\":122,\"asset_id\":279,\"title\":\"Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget!\",\"alias\":\"lit-black-friday-vibes-don-t-burn-your-budget\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>Statistics released by the National Credit Regulator (NCR), as at June 2021, revealed that, 61.59% (16.14 million) of the 26.22 million credit active consumers are in good standing, whilst 38.41% (10.07 million) have impaired records. An impaired record is one which a consumer and\\/or any of the accounts, are either classified as three or more payments or months in arrears, or which has an \\u201cadverse listing\\u201d, or that reflects a judgment or administration order. The negative impact of COVID-19 over the last two years on consumers\\u2019 finances has caused some financial distress. Therefore, sales such as those on Black Friday should be approached cautiously by consumers to avoid reckless spending and borrowing and possible over- indebtedness, says Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>Given the hype and the alluring advertising by different retailers, consumers are overcome by the temptation to buy the \\u201cspecials\\u201d and benefit from the \\u201cdeals\\u201d on offer. Such deals may blindside the consumer causing unnecessary credit purchases. Du Plooy reminds consumers that credit purchases don\\u2019t actually amount to a savings as you have to pay interest and other fees. Remember, unplanned and impulsive buying, especially on credit, may ultimately damage your credit bureau record and lower your credit score. So it is wise to save and plan your spending for Black Friday and festive season sales, she adds.<\\/p>\\r\\n<p>Consumers intending to buy on credit should do so responsibly. Check and compare prices before the actual day to source the best deals. Before you commit to a credit agreement, check your budget to establish if you will be able to afford repayments. Always request a pre-agreement statement and quotation and know the real cost of credit after interest and all the other fees have been added, she advised.<\\/p>\\r\\n<p>Tips to stay financially savvy during Black Friday hype:<\\/p>\\r\\n<ul>\\r\\n<li>Avoid impulsive buying. If you did not plan for this year, rather save for other upcoming \\u201cspecials\\u201d during and beyond the festive season, this is not the end of the world;<\\/li>\\r\\n<li>Avoid borrowing from unregistered credit providers to feed your temptations;<\\/li>\\r\\n<li>Set aside the amount you intend to use during Black Friday. Draw up a budget and stick to it. Shopping lists will help to curb excessive spending and unnecessary purchases;<\\/li>\\r\\n<li>If you will be applying for a loan, only apply for what you need, do not be tempted to apply for more just because you are told that you qualify for more;<\\/li>\\r\\n<li>Prioritise your debts \\u2013 pay off your current debt first before spending money on \\u201cwants\\u201d and making new debt;<\\/li>\\r\\n<li>Stop comparing yourself with peers and colleagues, everyone has different affordability and budget so don\\u2019t compete;<\\/li>\\r\\n<li>Develop a culture of saving and try to save a little every month towards some goal;<\\/li>\\r\\n<li>Always live within your means and not your imagination.<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong> <br \\/> <u>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 <\\/u><\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Didi Sebothoma: 064\\u00a0752 3910 <br \\/> Email: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 13:50:53\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 13:50:53\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-11-16 13:50:53\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1050,122,1,'','2021-11-16 14:58:29',915,6121,'01d91a384fff1ffe5f43b7950199fef615b91c2b','{\"id\":122,\"asset_id\":\"279\",\"title\":\"Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget!\",\"alias\":\"lit-black-friday-vibes-don-t-burn-your-budget\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>Statistics released by the National Credit Regulator (NCR), as at June 2021, revealed that, 61.59% (16.14 million) of the 26.22 million credit active consumers are in good standing, whilst 38.41% (10.07 million) have impaired records. An impaired record is one which a consumer and\\/or any of the accounts, are either classified as three or more payments or months in arrears, or which has an \\u201cadverse listing\\u201d, or that reflects a judgment or administration order. The negative impact of COVID-19 over the last two years on consumers\\u2019 finances has caused some financial distress. Therefore, sales such as those on Black Friday should be approached cautiously by consumers to avoid reckless spending and borrowing and possible over- indebtedness, says Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>Given the hype and the alluring advertising by different retailers, consumers are overcome by the temptation to buy the \\u201cspecials\\u201d and benefit from the \\u201cdeals\\u201d on offer. Such deals may blindside the consumer causing unnecessary credit purchases. Du Plooy reminds consumers that credit purchases don\\u2019t actually amount to a savings as you have to pay interest and other fees. Remember, unplanned and impulsive buying, especially on credit, may ultimately damage your credit bureau record and lower your credit score. So it is wise to save and plan your spending for Black Friday and festive season sales, she adds.<\\/p>\\r\\n<p>Consumers intending to buy on credit should do so responsibly. Check and compare prices before the actual day to source the best deals. Before you commit to a credit agreement, check your budget to establish if you will be able to afford repayments. Always request a pre-agreement statement and quotation and know the real cost of credit after interest and all the other fees have been added, she advised.<\\/p>\\r\\n<p>Tips to stay financially savvy during Black Friday hype:<\\/p>\\r\\n<ul>\\r\\n<li>Avoid impulsive buying. If you did not plan for this year, rather save for other upcoming \\u201cspecials\\u201d during and beyond the festive season, this is not the end of the world;<\\/li>\\r\\n<li>Avoid borrowing from unregistered credit providers to feed your temptations;<\\/li>\\r\\n<li>Set aside the amount you intend to use during Black Friday. Draw up a budget and stick to it. Shopping lists will help to curb excessive spending and unnecessary purchases;<\\/li>\\r\\n<li>If you will be applying for a loan, only apply for what you need, do not be tempted to apply for more just because you are told that you qualify for more;<\\/li>\\r\\n<li>Prioritise your debts \\u2013 pay off your current debt first before spending money on \\u201cwants\\u201d and making new debt;<\\/li>\\r\\n<li>Stop comparing yourself with peers and colleagues, everyone has different affordability and budget so don\\u2019t compete;<\\/li>\\r\\n<li>Develop a culture of saving and try to save a little every month towards some goal;<\\/li>\\r\\n<li>Always live within your means and not your imagination.<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Didi Sebothoma: 064\\u00a0752 3910 <br \\/> Email: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 13:50:53\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 14:58:29\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 14:57:52\",\"publish_up\":\"2021-11-16 13:50:53\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1051,123,1,'','2021-11-16 15:20:07',915,2922,'dffc22a90640a415421a450cc9af325cfa7ce374','{\"id\":123,\"asset_id\":280,\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ul>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li>make determinations whether consumers are over-indebted;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:20:07\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1052,123,1,'','2021-11-16 15:24:16',915,3091,'c58664b1d05d0324e8ef72d01a0dea1beb53956d','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ul>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li>make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li>inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li>update the records of consumers relating to debt review;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:24:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:20:07\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"27\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1053,123,1,'','2021-11-16 15:25:23',915,3093,'6aad8d7db6103cb8964ee6eabb180f180a1de152','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ul>\\r\\n<li type=\\\"(a)\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li>make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li>inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li>update the records of consumers relating to debt review;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:25:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:24:16\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"32\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1054,123,1,'','2021-11-16 15:26:11',915,3124,'ddacc8a849714dc49c31bfd08b5690842c7306ed','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ul>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li type=\\\"i\\\">make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li type=\\\"i\\\">inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li type=\\\"i\\\">update the records of consumers relating to debt review;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:26:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:25:23\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1055,123,1,'','2021-11-16 15:27:17',915,3240,'5670ce2a0bbdaa24d5fbeb688cd4a278bfe03e22','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ol>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li type=\\\"i\\\">make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li type=\\\"i\\\">inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li type=\\\"i\\\">update the records of consumers relating to debt review;<\\/li>\\r\\n<li type=\\\"i\\\">notify credit providers and credit bureaus that consumers have applied for debt review; and<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:27:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:26:11\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1056,123,1,'','2021-11-16 15:28:51',915,3699,'dd47f7ed7e8021737ac65526d50224dcf6a2c517','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ol>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li type=\\\"i\\\">make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li type=\\\"i\\\">inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li type=\\\"i\\\">update the records of consumers relating to debt review;<\\/li>\\r\\n<li type=\\\"i\\\">notify credit providers and credit bureaus that consumers have applied for debt review; and<\\/li>\\r\\n<li type=\\\"i\\\">perform debt counselling functions personally.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li type=\\\"a\\\">over-charging of fees to consumers who applied for debt review; and receiving payments from consumers who applied for debt review at the commencement of the debt review process;<\\/li>\\r\\n<li type=\\\"a\\\">using misleading and deceptive advertisements offering debt repayment reductions of up to 50% and free debt counselling services when his services were not free.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:28:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:27:17\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"35\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1057,123,1,'','2021-11-16 15:30:31',915,5310,'62f88bd768382ded38d68bfb7f8368aab7f6dd68','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ol>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li type=\\\"i\\\">make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li type=\\\"i\\\">inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li type=\\\"i\\\">update the records of consumers relating to debt review;<\\/li>\\r\\n<li type=\\\"i\\\">notify credit providers and credit bureaus that consumers have applied for debt review; and<\\/li>\\r\\n<li type=\\\"i\\\">perform debt counselling functions personally.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li type=\\\"a\\\">over-charging of fees to consumers who applied for debt review; and receiving payments from consumers who applied for debt review at the commencement of the debt review process;<\\/li>\\r\\n<li type=\\\"a\\\">using misleading and deceptive advertisements offering debt repayment reductions of up to 50% and free debt counselling services when his services were not free.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Tribunal imposed an administrative fine of R500 000.00 on Mr. Gardner.<\\/p>\\r\\n<p>Furthermore, the Tribunal ordered Mr. Gardner to appoint an independent auditor to audit his consumer files dating back 3 years in order to identify, amongst others, consumers who were overcharged fees by him. The auditors\\u2019 report must be given to the NCR once completed, and Mr. Gardner will refund consumers identified by the auditors as having been overcharged.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:30:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:28:51\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"36\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1060,124,1,'','2021-11-23 15:19:35',915,5199,'3d495178a7b5b19fc4fcc9874e2e50fea4621361','{\"id\":124,\"asset_id\":281,\"title\":\"Be smart, mind your money. know your rights  \",\"alias\":\"be-smart-mind-your-money-know-your-rights\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>), together with its agencies, National Credit Regulator (NCR), National Consumer Commission (NCC) and Proudly South African (PSA) will be hosting a joint webinar aimed at educating consumers about their rights and responsibilities whenever making purchases. The webinar comes at a time when consumers are facing considerable financial challenges due to the COVID-19 pandemic. The webinar will take place on Thursday, 25 November 2021 at 10:00am - 12:00 pm.<\\/p>\\r\\n<p>The Deputy Minister of <strong>the dtic<\\/strong>, Ms Nomalungelo Gina says that this webinar comes at a most critical period in the year when consumer are bombarded with offerings that purport to offer bargain purchases.<\\/p>\\r\\n<p>\\u201cIt is of the utmost importance that we alert consumer on the possible pitfalls they might find themselves in should they not make wise spending decisions. The key principle this season is to ensure that you make your limited funds go a long way and steer clear of offers that seem too good to be true. Because more often than not, they exactly are what your instincts says they are,\\u201d says Gina.<\\/p>\\r\\n<p>The CEO of the National Credit Regulator, Nomsa Motshegare advised consumers who will be taking part in this year\\u2019s Black Friday and festive season spending to draft a budget, know your limits and only spend what you can afford to pay back. She also reminded consumers that cash is king, especially for purchasing consumables such as food, clothing, airtime, data, entertainment etc. Remember, credit comes with interest and other fees such as monthly service fees, once off initiation fees, credit life insurance etc., therefore you will end up paying more at the end.<\\/p>\\r\\n<p>Eustace Mashimbye of Proudly South African said, \\u201cIt is important that we manage our finances according to our means. Spending wisely includes making sure that we select locally manufactured and produced goods and services which assist in economic growth and job creation. Buying \\u2018local\\u2019 increases the chances of companies employing more people and more jobs mean more money in the pockets of consumers\\u201d.<\\/p>\\r\\n<p>Acting National Consumer Commissioner, Ms Thezi Mabuza urges consumers to demand goods that are of good quality, in good order and are free of any defects. \\u201cThe goods must be usable and durable for a reasonable period of time. If you suspect that goods received or upon collection might have defects, do not take delivery. I want to remind consumers to also exercise caution when buying online as they might be transacting with scammers masquerading as legit businesses. Always try to use reputable suppliers where possible\\u201d, she said.<\\/p>\\r\\n<p>In conclusion, we encourage consumers to participate and acquire sound knowledge that will assist in managing their finances during Black Friday and festive season.\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Enquiries:<\\/strong><br \\/> Bongani Lukhele \\u2013 Director: Media Relations<br \\/> Tel: (012) 394 1643<br \\/> Mobile: 079 5083 457<br \\/> WhatsApp: 074 2998 512<br \\/> E-mail: BLukhele@thedtic.gov.za<br \\/> Issued by: The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>)<br \\/> Follow us on Twitter: @the_dti<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-23 15:19:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-23 15:19:35\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-11-23 15:19:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1064,124,1,'','2021-11-24 16:38:43',915,5694,'589e67aad0fd16b750db878d92b3b51f1d5e0be5','{\"id\":124,\"asset_id\":\"281\",\"title\":\"Be smart, mind your money, know your rights webinar\",\"alias\":\"be-smart-mind-your-money-know-your-rights\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>), together with its agencies, National Credit Regulator (NCR), National Consumer Commission (NCC) and Proudly South African (PSA) will be hosting a joint webinar aimed at educating consumers about their rights and responsibilities whenever making purchases. The webinar comes at a time when consumers are facing considerable financial challenges due to the COVID-19 pandemic. The webinar will take place tomorrow, Thursday, 25 November 2021 from 10:00-12:00.<\\/p>\\r\\n<p>The Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina says that the webinar comes at a most critical period in the year when consumers are bombarded with offerings that purport to offer bargain deals.<\\/p>\\r\\n<p>\\u201cIt is of the utmost importance that we alert consumers on the possible pitfalls they might find themselves in should they not make wise spending decisions. The key principle this season is to ensure that you make your limited funds go a long way and steer clear of offers that seem too good to be true, because more often than not, they exactly are what your instincts say they are,\\u201d says Gina.<\\/p>\\r\\n<p>The CEO of the National Credit Regulator, Nomsa Motshegare advised consumers who will be taking part in this year\\u2019s Black Friday and festive season spending to draft a budget, know your limits and only spend what you can afford to pay back.<\\/p>\\r\\n<p>She also reminded consumers that cash is king, especially for purchasing consumables such as food, clothing, airtime, data and entertainment. Remember, credit comes with interest and other fees such as monthly service fees, once off initiation fees, credit life insurance. Therefore you will end up paying more at the end.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>The CEO of Proudly South African, Mr Eustace Mashimbye says: \\u201cIt is important that we manage our finances according to our means. Spending wisely includes making sure that we select locally manufactured and produced goods and services which assist in economic growth and job creation. Buying \\u2018local\\u2019 increases the chances of companies employing more people and more jobs mean more money in the pockets of consumers.\\u201d<\\/p>\\r\\n<p>The Acting Commissioner of the National Consumer Commission, Ms Thezi Mabuza urges consumers to demand goods that are of good quality, in good order and are free of any defects.<\\/p>\\r\\n<p>\\u201cThe goods must be usable and durable for a reasonable period of time. If you suspect that goods received or upon collection might have defects, do not take delivery. I want to remind consumers to also exercise caution when buying online as they might be transacting with scammers masquerading as legit businesses. Always try to use reputable suppliers where possible\\u201d, she adds.<\\/p>\\r\\n<p>All the stakeholders seek to encourage consumers to participate and acquire sound knowledge that will assist in managing their finances during Black Friday and festive season.<\\/p>\\r\\n<p>Invitation link: <a href=\\\"http:\\/\\/tc-mxscan-01.trevenna.net:32224\\/?dmVyPTEuMDAxJiYyMjE3ZjJmZWI1ZjFkZjZmZj02MTk2MTExNl8zMzYwNF8yMDA2XzEmJmEyNTU0Yzc1OWIwZDIwMD0xMjIyJiZ1cmw9aHR0cHMlM0ElMkYlMkZ6b29tJTJFdXMlMkZ3ZWJpbmFyJTJGcmVnaXN0ZXIlMkZXTiU1RjNCcDJGYTh5USU1RjJ6UWtHOUhPRlhXZw==\\\">https:\\/\\/zoom.us\\/webinar\\/register\\/WN_3Bp2Fa8yQ_2zQkG9HOFXWg<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Enquiries:<br \\/> Bongani Lukhele \\u2013 Director: Media Relations<br \\/> Tel: (012) 394 1643<br \\/> Mobile: 079 5083 457<br \\/> WhatsApp: 074 2998 512<br \\/> E-mail: <a href=\\\"mailto:BLukhele@thedtic.gov.za\\\"> BLukhele@thedtic.gov.za<\\/a><br \\/> Issued by: The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>)<br \\/> Follow us on Twitter: @the_dti<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-23 15:19:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-24 16:38:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-24 16:38:15\",\"publish_up\":\"2021-11-23 15:19:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"322\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1065,124,1,'','2021-11-24 16:39:20',915,5694,'37aa6dd8929c7676941cdba56aea44544757afe5','{\"id\":124,\"asset_id\":\"281\",\"title\":\"Be smart, mind your money, know your rights webinar\",\"alias\":\"be-smart-mind-your-money-know-your-rights\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>), together with its agencies, National Credit Regulator (NCR), National Consumer Commission (NCC) and Proudly South African (PSA) will be hosting a joint webinar aimed at educating consumers about their rights and responsibilities whenever making purchases. The webinar comes at a time when consumers are facing considerable financial challenges due to the COVID-19 pandemic. The webinar will take place tomorrow, Thursday, 25 November 2021 from 10:00-12:00.<\\/p>\\r\\n<p>The Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina says that the webinar comes at a most critical period in the year when consumers are bombarded with offerings that purport to offer bargain deals.<\\/p>\\r\\n<p>\\u201cIt is of the utmost importance that we alert consumers on the possible pitfalls they might find themselves in should they not make wise spending decisions. The key principle this season is to ensure that you make your limited funds go a long way and steer clear of offers that seem too good to be true, because more often than not, they exactly are what your instincts say they are,\\u201d says Gina.<\\/p>\\r\\n<p>The CEO of the National Credit Regulator, Nomsa Motshegare advised consumers who will be taking part in this year\\u2019s Black Friday and festive season spending to draft a budget, know your limits and only spend what you can afford to pay back.<\\/p>\\r\\n<p>She also reminded consumers that cash is king, especially for purchasing consumables such as food, clothing, airtime, data and entertainment. Remember, credit comes with interest and other fees such as monthly service fees, once off initiation fees, credit life insurance. Therefore you will end up paying more at the end.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>The CEO of Proudly South African, Mr Eustace Mashimbye says: \\u201cIt is important that we manage our finances according to our means. Spending wisely includes making sure that we select locally manufactured and produced goods and services which assist in economic growth and job creation. Buying \\u2018local\\u2019 increases the chances of companies employing more people and more jobs mean more money in the pockets of consumers.\\u201d<\\/p>\\r\\n<p>The Acting Commissioner of the National Consumer Commission, Ms Thezi Mabuza urges consumers to demand goods that are of good quality, in good order and are free of any defects.<\\/p>\\r\\n<p>\\u201cThe goods must be usable and durable for a reasonable period of time. If you suspect that goods received or upon collection might have defects, do not take delivery. I want to remind consumers to also exercise caution when buying online as they might be transacting with scammers masquerading as legit businesses. Always try to use reputable suppliers where possible\\u201d, she adds.<\\/p>\\r\\n<p>All the stakeholders seek to encourage consumers to participate and acquire sound knowledge that will assist in managing their finances during Black Friday and festive season.<\\/p>\\r\\n<p>Invitation link: <a href=\\\"http:\\/\\/tc-mxscan-01.trevenna.net:32224\\/?dmVyPTEuMDAxJiYyMjE3ZjJmZWI1ZjFkZjZmZj02MTk2MTExNl8zMzYwNF8yMDA2XzEmJmEyNTU0Yzc1OWIwZDIwMD0xMjIyJiZ1cmw9aHR0cHMlM0ElMkYlMkZ6b29tJTJFdXMlMkZ3ZWJpbmFyJTJGcmVnaXN0ZXIlMkZXTiU1RjNCcDJGYTh5USU1RjJ6UWtHOUhPRlhXZw==\\\">https:\\/\\/zoom.us\\/webinar\\/register\\/WN_3Bp2Fa8yQ_2zQkG9HOFXWg<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Enquiries:<br \\/> Bongani Lukhele \\u2013 Director: Media Relations<br \\/> Tel: (012) 394 1643<br \\/> Mobile: 079 5083 457<br \\/> WhatsApp: 074 2998 512<br \\/> E-mail: <a href=\\\"mailto:BLukhele@thedtic.gov.za\\\"> BLukhele@thedtic.gov.za<\\/a><br \\/> Issued by: The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>)<br \\/> Follow us on Twitter: @the_dti<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-24 15:19:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-24 16:39:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-24 16:38:43\",\"publish_up\":\"2021-11-24 15:19:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"323\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1079,125,1,'','2022-01-13 12:44:37',915,6319,'1dba6379c5dbeb1025e153096721a3a366969744','{\"id\":125,\"asset_id\":282,\"title\":\"Consumers are encouraged to borrow wisely and start saving\",\"alias\":\"consumers-are-encouraged-to-borrow-wisely-and-start-saving\",\"introtext\":\"<p align=\\\"right\\\"><strong>January 2022<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers who did not plan properly with nothing. Some of these consumers will be approaching credit providers in order to borrow money to get by for the month, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>If you are going to get a loan this January to assist you to keep afloat until the next pay day, do so responsibly, says Du Plooy. Tips for responsible borrowing:<\\/p>\\r\\n<ul>\\r\\n<li>Prepare a budget to see how much you can afford in terms of repayments and to track all your monthly costs;<\\/li>\\r\\n<li>Remember the repo rate was increased in November 2021 increasing interest rates, take that into consideration when you apply for credit;<\\/li>\\r\\n<li>Only use credit providers registered with the National Credit Regulator;<\\/li>\\r\\n<li>Get a quotation and pre-agreement statement \\u2013 these outline the cost of credit and terms and conditions of the credit agreement you will be signing;<\\/li>\\r\\n<li>Understand the total cost of credit outlined in the quotation which includes interest, monthly service fees, one-off initiation fees, credit life insurance etc;<\\/li>\\r\\n<li>Do not take on additional credit just because they say you qualify for more;<\\/li>\\r\\n<li>Do not take out credit for other people as the risk of non-payment will fall on you;<\\/li>\\r\\n<li>Start saving now!<\\/li>\\r\\n<li>Avoid credit providers that say \\u201cBlacklisted consumers welcome, No credit checks etc\\u201d;<\\/li>\\r\\n<li>Avoid credit providers that require you to pay an upfront payment before they give you the loan;<\\/li>\\r\\n<li>Avoid credit providers that require you to leave your cards, ID and PINs with them;<\\/li>\\r\\n<li>Avoid credit providers that offer you a ridiculously low interest rate, if it too good to be true, it usually is.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Remember, if you take out a loan and do not repay it as agreed in the credit agreement, this will adversely affect your credit report. The devastating effects of such adverse listings on credit profiles are that they restrict your chances of qualifying for credit in the future and\\/or accessing certain jobs where a candidate is considered for employment in a position that requires honesty in dealing with cash or finances.<\\/p>\\r\\n<p>When applying for a loan, it is important for consumers to truthfully disclose all their expenses. This will enable credit providers to conduct an affordability assessment on the consumer\\u2019s ability to repay the loan. \\u201cIf you fail to truthfully disclose all expenses, you will lose the protection offered by the National Credit Act. In some situations, unscrupulous agents will encourage consumers not to truthfully disclose expenses in order to enhance their chance of qualifying for credit application,\\u201d cautions Ms. Du Plooy.<\\/p>\\r\\n<p>Consumers who require additional information on borrowing wisely or a list of registered credit providers can log on to <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or contact our call centre on 0860 627\\u00a0627.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or <br \\/>Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-01-13 12:44:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-01-13 12:44:37\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-01-13 12:44:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1090,29,1,'','2022-03-04 14:57:12',915,4628,'b1982b1718442449f911097e27538e616d9d7152','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/27 May 2021-Debt Withdrawal  review.pdf\\\">NCR debt review withdrawal guidelines 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines For Standard Court Order03.pdf\\\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Annexure A- Standardized Court Order Template.pdf\\\">Annexure A- Standardized Court Order Template<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-03-04 14:57:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-03-04 14:53:42\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"15719\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1099,126,1,'','2022-03-15 14:44:26',915,6486,'44d4b23c3463d69f899fb24ea661bef92d6b34b0','{\"id\":126,\"asset_id\":283,\"title\":\"Consumer rights in the digital world\",\"alias\":\"consumer-rights-in-the-digital-world\",\"introtext\":\"<p align=\\\"right\\\"><strong>March 2022<\\/strong><\\/p>\\r\\n<p>On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme. The NCR together with the Consumer Protection Forum will be using the \\u201cSustainable Consumer\\u201d theme. This theme will be aligned to the South African Government one in the context of better and safer online and digital interactions.<\\/p>\\r\\n<p>\\u201cWith digital technologies reshaping the financial landscape and making all financial transactions, including credit, convenient, simpler and more accessible to consumers, new threats to consumer credit rights in the digital and online space have emerged which can leave consumers vulnerable,\\u201d says Ms. Boitumelo Geldenhuis, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>The COVID-19 pandemic has definitely impacted on the finances of most consumers causing economic hardship and creating desperation, making them more susceptible to taking credit in one form or another. \\u201cIn celebrating WCRD this year, the NCR wants to ensure that all consumers performing credit transactions online do so in an informed and safe manner, protecting not only their rights and information, but also making these transactions smart and sustainable,\\u201d added Ms. Geldenhuis.<\\/p>\\r\\n<p>To ensure that your online and credit transactions are safe, smart and sustainable the NCR is urging consumers to follow the following:<\\/p>\\r\\n<ul>\\r\\n<li>Always verify if the credit provider is registered with the NCR by checking their NCRCP<\\/li>\\r\\nnumber against the one which appears on the NCR website (www.ncr.org.za ) to ensure that the registration number belongs to that credit provider. Alternatively, you can call the NCR on 0860 627 627 to verify for you;\\r\\n<li>Beware of fake credit providers when transacting online;<\\/li>\\r\\n<li>Know the full cost of credit you are being offered or applying for by requesting a preagreement<\\/li>\\r\\nstatement and quotation before committing or signing any credit agreement;\\r\\n<li>Beware of deceptive credit advertisements such as \\u201cno credit checks\\u201d, \\u201cblacklisted<\\/li>\\r\\nwelcome\\u201d, \\u201cfree credit\\u201d;\\r\\n<li>Beware of credit providers asking for \\u201cupfront fees\\u201d before they give you the actual loan.<\\/li>\\r\\nNever pay any upfront fees;\\r\\n<li>Pay careful attention to \\u201cTerms &amp; Conditions\\u201d \\u2013 click and read, do not accept without<\\/li>\\r\\nunderstanding;\\r\\n<li>When you apply for debt counselling, ensure that you understand what you are getting<\\/li>\\r\\nyourself into, before agreeing to anything;\\r\\n<li>Only use a registered debt counsellor that is situated close to where you work or live;<\\/li>\\r\\nand\\r\\n<li>Remember the golden rule \\u201cIf it seems too good to be true, it probably is!\\u201d<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u201cBeing a \\u201cSustainable Consumer\\u201d in the digital era means that you need to be informed of your rights and make smart choices with the information that you consume. Remember even when you transact online, you still have rights and responsibilities as per the National Credit Act. Also, take note that the NCR conducts educational workshops for consumers throughout the country, if you require one, you may contact the NCR on workshops@ncr.org.za\\u201d concludes Ms. Geldenhuis.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or<br \\/> Didi Sebothoma<br \\/> 064 752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a><br \\/> Website: <a href=\\\"https:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-03-15 14:44:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-03-15 14:44:26\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-03-15 14:44:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1144,127,1,'','2022-04-05 11:08:34',915,8815,'b3c371ba959caf7bfa82267bbd275b55658cb6e0','{\"id\":127,\"asset_id\":284,\"title\":\"Misleading advertising on Social Media platforms regarding debt counselling\",\"alias\":\"misleading-advertising-on-social-media-platforms-regarding-debt-counselling\",\"introtext\":\"<p align=\\\"right\\\"><strong>March 2022<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers. This press release is intended to warn consumers against such advertising practices and request consumers to report these practices to the NCR.<\\/p>\\r\\n<p>Advocate (Adv.) Kedilatile Legodi, the Manager of the NCR Debt Counselling Department says that \\u201cin recent times, there has been a surge in advertising for \\u201cdebt review removals\\u201d and some consumers are charged in the excess of R8000 to have his\\/her debt review flag removed\\u201d. Consumers are warned that this \\u201cdebt review removal\\u201d is not supported by law. In a recent High Court Judgment, delivered by three High Court Judges, the Court stated that debt review removal is not possible for consumers who have been declared over indebted, and that consumers need to pay up all debt, except where a bond is not in arrears, to be removed from debt review. Where a consumer has a debt review court order, no Court, not even the High Court can rescind such judgment.<\\/p>\\r\\n<p>Adv. Legodi further requests consumers to access the NCR Withdrawal Guidelines issued in 2021, from the NCR\\u2019s website, which clearly state the circumstances under which a consumer can exit debt review. \\u201cIf any company offers a service contrary to the provisions of the NCR Withdrawal Guidelines, even attorneys, consumers are running a risk of paying for a service that has no prospect of success without any recourse against persons not registered with the NCR\\u201d. Adv. Legodi warns that \\u201cbefore any consumer pays for such services, consumers they are urged to make contact with the NCR, or access the website to verify the registration status of such a person offering the service.\\u201d<\\/p>\\r\\n<p>In addition, Adv. Legodi noted the unlawful practice of consumers being contacted telephonically by \\u201cNCR Agents\\u201d to discuss his\\/her debt review status, or debt review flag removal. \\u201cThe NCR does not have any personal information of consumers and will at no stage contact a consumer to discuss his\\/her debt review status\\u201d she warns. \\u201cConsumers are requested to report these \\u201cNCR Agents\\u201d to the NCR Complaints Department at <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> \\/ 0860 627\\u00a0627 and not be scammed by these practices.\\u201d<\\/p>\\r\\n<p>It has further been noted that there are companies that advertise that they work with the NCR to investigate debt counsellors. Adv. Legodi informed that \\u201cthe NCR has the exclusive mandate under law to perform an investigation into registrants, and cannot outsource such mandate to any outside company. Consumers are urged to request an official Inspector Certificate issued by the NCR from such companies prior to engaging with them. If such Inspector Certificate cannot not be produced, consumers are requested to report such companies to the NCR\\u2019s Complaints Department.\\u201d<\\/p>\\r\\n<p>The NCR further noted the prevalence of advertising, especially on social media platforms such as Facebook, Tumblr and Instagram of claims that debt counsellors can:<\\/p>\\r\\n<ul>\\r\\n<li>Get debt written off by credit providers;<\\/li>\\r\\n<li>Payment of a large amount of debt in a very short period of time;<\\/li>\\r\\n<li>Government approved method to get debt written off;<\\/li>\\r\\n<li>Government approved debt relief for over 30\\u2019s \\/ 40\\u2019s \\/ 50\\u2019s \\/ 60\\u2019s (Bait marketing);<\\/li>\\r\\n<li>Pictures of senior government officials advertising debt relief; and<\\/li>\\r\\n<li>Save consumers 63% \\/ 60% \\/ 55% \\/ 43% on debt repayments.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Adv. Legodi warns that \\u201cif it is too good to be true, it probably is\\u201d. She explains that \\u201cdebt relief measures under the National Credit Act (NCA) are intended to repay all debt to credit providers with certain interest concessions and extended terms to facilitate relief to consumers. It is not a savings plan or magic trick to let debt disappear Consumers remain responsible for debt repayments and there are no provisions in the NCA or the Regulations that can facilitate the claims made in these advertisements. \\u201cDon\\u2019t be fooled or scammed by such unlawful and false advertising\\u201d.<\\/p>\\r\\n<p>Consumers should not trust any advertising that do not contain the NCR registration number of the debt counsellor. \\u201cIf the debt counsellor is not clearly identified in the advertising, how can a consumer verify the identity and status of the debt counsellor, or the validity of the service\\u201d, explains Adv. Legodi. Therefore, consumers should be vigilant and report any advertising to the NCR where the advertiser cannot be identified. Consumers should also keep in mind that no person, not even attorneys can provide the services of a debt counsellor, if they are not registered to do so. \\u201cAlways ask for the NCR registration number before engaging with any person, even attorneys who claims to be a debt counsellor or to provide any service surrounding your credit agreements\\u201d Adv. Legodi warns.\\u00a0<\\/p>\\r\\n<p>Finally, consumers must be made aware that it is unlawful for debt counsellors to receive any payments of money directly from consumers. Adv. Legodi explains that \\u201cRegulation 11 of the NCA clearly prohibit debt counsellors from taking any money from consumers and can be deregistered for doing so. Consumers are requested to report to the NCR if the debt counsellor request payment of any monies to them directly.\\u201d<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong> <br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong> <br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or <br \\/> Didi Sebothoma <br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-04-05 11:08:34\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-04-05 11:08:34\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-04-05 11:08:34\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1150,48,1,'','2022-04-06 15:01:10',915,31274,'4576e6ce635204c6e79350955696775e385299f8','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2021Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q3_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2019Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2018Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2018Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2017Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2017Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2017Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2017Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007-Q4 to 2016-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q3\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2016-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q4 December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2015-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3 2015 - V2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q2 to 2015-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR Q2 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR_Q32015 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q42014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li>\\u00a0<a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q22014 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.<\\/a><\\/li>\\r\\n<li style=\\\"margin-bottom: 5px;\\\"><a href=\\\"publications\\/Consumer%20Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2014-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/CCMR Q12014 draft1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\\\">Web-Dataset 2007 - Q4 to 2014 - Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2013 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Report\\/ccmr_3rdQ2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a>.<\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccmr_3rdQ2013\\/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006.\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CBM%20data%20Q22007%20-%20Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset CBM data 2007-Q4 to 2012-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/CCMR%20Q32012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African \\u00a0consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/Web-Dataset%202007-Q4%20to%202012-Q3.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2012-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-04-06 15:01:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-04-06 14:57:40\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":48,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"135941\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0);
INSERT INTO `zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (1152,25,1,'','2022-04-08 15:04:58',915,28459,'b599878dae0ef2b55e4054471d614abbf8ed7d20','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\\\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-04-08 15:04:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-04-08 15:01:46\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":54,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17567\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1212,128,1,'','2022-07-01 14:42:22',915,15687,'ae1b8890247eabdbb3e88adb603c6151d2e05bef','{\"id\":128,\"asset_id\":285,\"title\":\"Keep your credit bureau record clean regardless of the rising cost of living\",\"alias\":\"keep-your-credit-bureau-record-clean-regardless-of-the-rising-cost-of-living\",\"introtext\":\"<p align=\\\"right\\\"><strong>June 2022<\\/strong><\\/p>\\r\\n<p>Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full in order to maintain a good credit bureau record. The youth are also encouraged to regularly check their credit bureau reports. Checking credit bureau reports enables consumers to spot any incorrect information and\\/or fraudulent transactions, thus providing them with an opportunity to remedy the situation. Ms. Poppy Kweyama, Manager: Education and Communication Department at the NCR, said knowing what is contained in one\\u2019s credit report gives consumers an opportunity to improve their credit reports.<\\/p>\\r\\n<p>All consumer credit information held by credit bureaus must be accurate. Incorrect credit information can adversely affect a consumer\\u2019s chances of acquiring credit or a job where a company is considering a candidate for employment in a position that requires honesty in dealing with cash or finances. \\u201cHence, it is very important to dispute incorrect information before it affects you adversely,\\u201d she advised.<\\/p>\\r\\n<p>In terms of the National Credit Act, every consumer has a right to challenge the accuracy of their information held by the credit bureaus free of charge. If a consumer has challenged the accuracy of the information, credit bureaus must take reasonable steps to seek evidence in support of the challenged information.\\u00a0 Credit bureaus have 20 business days to do that. \\u201cShould the credit provider and\\/or service provider fail to prove the listing within the 20 business days, then the credit bureau must remove the disputed information from the consumer\\u2019s credit profile\\u201d, said Ms. Kweyama. <br \\/> It is very important for consumers to know that inaccurate credit information will stay on the consumer\\u2019s credit profile, until rectified or until its retention period finishes. A retention period relates to the length of time that a credit bureau can retain consumer\\u2019s information on their credit report. However, consumers should not waste time disputing accurate credit information, knowing very well that they skipped payments or short paid the account.<\\/p>\\r\\n<p>Consumers are entitled to one free credit report once a year as per the National Credit Act, advised Ms. Kweyama. The National Credit Regulator would like to see more consumers requesting their credit reports from credit bureaus because currently the numbers of those requesting their credit reports are low. According to the Credit Bureau Monitor from the NCR, as at the end of December 2021, credit bureaus held records of 26, 38 million credit active consumers. Out of this total, only 648\\u00a0280 credit reports were issued. From this total, 35\\u00a0919 consumers lodged disputes in respect of the accuracy of information held by the credit bureaus. More disputes were resolved in favour of the complainants.<\\/p>\\r\\n<p>In order to clarify a lingering perception out there, credit bureaus do not decide whether or not to extend credit to consumers. \\u00a0Credit bureaus are organisations that specialise in creating consumer credit profiles based on information received from a person who supplies goods, services or utilities to consumers, whether for cash or on credit, an organ of state, court, judicial officer and a person providing long term or short term insurance. They keep valuable information about consumers\\u2019 recent and past accounts, payment history, defaults, judgments, trace alerts, collections and enquiries. \\u00a0<\\/p>\\r\\n<p>Often consumers ask how long their information will be reflected at the credit bureaus. It is important to note that in terms of the National Credit Act, there are different retention periods for consumer credit information held by the credit bureaus. Below is a table on the different retention periods:\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<table border=\\\"1\\\" width=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"127\\\">\\r\\n<p align=\\\"center\\\"><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"383\\\">\\r\\n<p align=\\\"center\\\"><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"198\\\">\\r\\n<p align=\\\"center\\\"><strong>Time kept<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Details and results of complaints<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Number and nature of complaints lodged and whether a complaint was rejected; no information will be displayed on complaints that were upheld<br \\/> Note: WinCredit does not display this information<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>6 months<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Enquiries<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Number of enquiries made on a consumer\\u2019s record, including the name of the entity\\/person who made the enquiry and a contact person if available<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>1 year<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Payment profile<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Factual information pertaining to the payment profile of the consumer<br \\/> Note: WinCredit does not display this information<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Adverse classification of enforcement action<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Classification related to enforcement action taken by a credit provider<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>1 year or within the prescribed period in section 71A<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Adverse classification of consumer behaviour<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Subjective classification of consumer behaviour<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>1 year or within the prescribed period in section 71A<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Debt restructuring<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>As per section 86 of the Act, an order given by the court or tribunal<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Civil court judgments<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>Civil court judgments including default judgments<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>The earlier of 5 years or until the judgment is rescinded by a court or abandoned by the credit provider in terms of section 86 of Magistrates\\u2019 Court Act 32 of 1944 or within the period prescribed in section 71A of the Act<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Maintenance judgments in terms of the Maintenance Act<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>As per court judgment<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>Until the judgment is rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Sequestration<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>5 years or until rehabilitation order is granted<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Rehabilitation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>5 years<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Administration order<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>As per the court order<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>5 years or until order is rescinded by a court<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Liquidation<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>\\u2013<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>Removed - delete<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"19\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"127\\\">\\r\\n<p><strong>Other information<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"383\\\">\\r\\n<p>\\u2013<\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"198\\\">\\r\\n<p>Removed - delete<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>In conclusion, Ms. Kweyama advised the youth about the importance of maintaining a good \\/ healthy credit report as this shows credit \\/ service providers that you are making payments as per your credit agreements, depicting you as trustworthy for prospective credit\\/ service providers and employers.<\\/p>\\r\\n<p><strong>Below are c<\\/strong><strong>redit bureau and other important contact details:<\\/strong><\\/p>\\r\\n<table border=\\\"1\\\" width=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\"><br \\/> <strong>Experian<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>(011)\\u00a0799-3400\\/ 0861\\u00a0105 665<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.experian.co.za\\/\\\">www.experian.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p><a href=\\\"mailto:consumer@creditexpert.co.za\\\">consumer@creditexpert.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\">\\r\\n<p><strong>TransUnion\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>0861 886 466<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.transunion.co.za\\/\\\">www.transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p><a href=\\\"mailto:webadmin@transunion.co.za\\\">webadmin@transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\">\\r\\n<p><strong>XDS<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>0860 937 000<br \\/> (011) 645-9100<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.xds.co.za\\/\\\">www.xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p><a href=\\\"mailto:info@xds.co.za\\\">info@xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\">\\r\\n<p><strong>Consumer Profile Bureau \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>(010)\\u00a0590-9505\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.consumerprofilebureau.com\\\">www.consumerprofilebureau.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p><a href=\\\"mailto:support@cpbonline.co.za\\\">support@cpbonline.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" valign=\\\"top\\\" width=\\\"690\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\">\\r\\n<p><strong>Credit Ombud<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>0861 662 837<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p><a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"104\\\">\\r\\n<p><strong>National Credit Regulator<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"132\\\">\\r\\n<p>0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"234\\\">\\r\\n<p>www.ncr.org.za<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"220\\\">\\r\\n<p>info@ncr.org.za<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong> \\u00a0\\u00a0\\u00a0\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-07-01 14:42:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-01 14:42:22\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-07-01 14:42:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1214,48,1,'','2022-07-01 15:30:55',915,32153,'abc268b91388dd9c2ff59935e6066079f88d7539','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2021Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q3_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2019Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2018Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2018Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2017Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2017Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2017Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2017Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007-Q4 to 2016-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q3\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2016-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q4 December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2015-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3 2015 - V2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q2 to 2015-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR Q2 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR_Q32015 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q42014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li>\\u00a0<a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q22014 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.<\\/a><\\/li>\\r\\n<li style=\\\"margin-bottom: 5px;\\\"><a href=\\\"publications\\/Consumer%20Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2014-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/CCMR Q12014 draft1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\\\">Web-Dataset 2007 - Q4 to 2014 - Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2013 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Report\\/ccmr_3rdQ2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a>.<\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccmr_3rdQ2013\\/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006.\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CBM%20data%20Q22007%20-%20Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset CBM data 2007-Q4 to 2012-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/CCMR%20Q32012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African \\u00a0consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/Web-Dataset%202007-Q4%20to%202012-Q3.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2012-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-01 15:30:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-01 15:28:35\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":50,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"162744\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1215,48,1,'','2022-07-01 15:33:49',915,32149,'7813fbe10d914915829061d969f4d37b3b559c6a','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2021Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q3_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2019Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2018Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2018Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2017Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2017Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2017Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2017Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007-Q4 to 2016-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q3\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2016-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q4 December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2015-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3 2015 - V2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q2 to 2015-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR Q2 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR_Q32015 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q42014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li>\\u00a0<a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q22014 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.<\\/a><\\/li>\\r\\n<li style=\\\"margin-bottom: 5px;\\\"><a href=\\\"publications\\/Consumer%20Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2014-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/CCMR Q12014 draft1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\\\">Web-Dataset 2007 - Q4 to 2014 - Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2013 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Report\\/ccmr_3rdQ2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a>.<\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccmr_3rdQ2013\\/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006.\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CBM%20data%20Q22007%20-%20Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset CBM data 2007-Q4 to 2012-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/CCMR%20Q32012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African \\u00a0consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/Web-Dataset%202007-Q4%20to%202012-Q3.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2012-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-01 15:33:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-01 15:32:29\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":52,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"162746\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1224,24,1,'','2022-07-08 11:55:24',915,37918,'593e45a5df452f9fe14cc0d7b71d38691b62314f','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<p>Information consent and indemnity form - Black Industrialist and Exporters Awards the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws. download<\\/p>\\r\\n<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 11:55:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:52:32\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":77,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47102\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1225,24,1,'','2022-07-08 11:55:44',915,37628,'73b728d1a34d2c8c6fe4147a7d9c4abdb2c7aea5','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 11:55:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:55:24\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":78,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47103\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1226,24,1,'','2022-07-08 11:58:16',915,38566,'23e85aff0a2165f13a6b89edf8820b840041ac8b','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 11:58:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:55:44\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":79,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47106\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1227,24,1,'','2022-07-08 11:58:56',915,38572,'66cabdbd7efa30b9a245f5110e50c5d4e58309b2','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 11:58:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:58:16\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":80,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47107\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1228,24,1,'','2022-07-08 12:00:25',915,39729,'1fb0c207c7d55723e11d2050ef8c3212d9d7c3d9','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 12:00:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:58:56\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":81,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47108\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1229,24,1,'','2022-07-08 12:01:03',915,39725,'15ee22884efb080547cacf0263d118e99506e653','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Sustainability BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 12:01:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 12:00:25\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":82,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47109\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1230,24,1,'','2022-07-08 12:08:14',915,40707,'4cc0789cee9d89a559ee300653416aa3bb2ea337','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Women Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises women owned companies trading in South Africa and women who demonstrate high levels of entrepreneurship. The company should be at least 51% black women owned and be in the services or manufacturing sectors.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Women BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Sustainability BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 12:08:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 12:01:03\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":83,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47112\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1231,24,1,'','2022-07-08 12:09:49',915,41648,'3b8023d3a63416d33623c121b9189f376e2015fa','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Young Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises youth-owned legal companies trading in South Africa and young individuals who demonstrate high levels of entrepreneurship in the manufacturing or service industries.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Young BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Women Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises women owned companies trading in South Africa and women who demonstrate high levels of entrepreneurship. The company should be at least 51% black women owned and be in the services or manufacturing sectors.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Women BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Sustainability BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 12:09:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 12:08:14\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":84,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47114\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1239,129,1,'','2022-08-10 12:50:16',915,10422,'8f395fdba8b2d7c3caddd37674afc7faa3affad0','{\"id\":129,\"asset_id\":286,\"title\":\"Debt counselling-a debt relief measure for over-indebted consumers \",\"alias\":\"debt-counselling-a-debt-relief-measure-for-over-indebted-consumers\",\"introtext\":\"<p align=\\\"right\\\"><strong> August 2022<\\/strong><\\/p>\\r\\n<p>Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his\\/her income is not sufficient to cover all his\\/her living expenses and debt repayments. Various circumstances such as job loss, reduction of income, sickness, death, rising cost of living (petrol hikes, increase in food prices, electricity, etc.) and others are often the main contributors for consumer over-indebtedness. Consumers who are experiencing financial distress should not ignore their debt obligations, they need to approach credit providers and communicate their financial position and negotiate reasonable repayment options. If this attempt fails, consumers are encouraged to consider debt counselling and approach a registered debt counsellor who will on their behalf negotiate reasonable repayment terms informed by what the consumer can afford with the credit providers, says Adv. Kedilatile Legodi, Manager: Debt Counselling at the National Credit Regulator(NCR).<\\/p>\\r\\n<p>The concept of debt counselling is often misunderstood by many, as a result consumers miss out on the benefits and the protection that debt counselling offer. In addition, there is a high number of false and misleading debt counselling marketing practices noted by the NCR either online, social media or telephonic with the sole intent of exploiting unsuspecting and financially distressed consumers. Some of these marketing practices, promise a certain percentage of debt reduction (even prior to a financial assessment), savings or consolidation. If it sounds too good to be true, it probably is, warns Adv. Legodi.<\\/p>\\r\\n<p>Consumers are advised to be aware of false and misleading practices and to not fall victim particularly if approached. Understanding the debt counselling process from end to end, the consequences, the applicable fees charged, when, where and how to pay such fees, the various steps of the process, the prescribed timelines, the provisions to exit debt counselling and others are important elements that the consumer must ensure knowledge of before signing on the dotted line.<\\/p>\\r\\n<p>Debt counselling is only conducted by a debt counsellor registered with the NCR. In terms of the National Credit Act, debt counsellors are registered as individuals and not as a juristic person\\/company. Therefore, a financially distressed consumer seeking the services of a debt counsellor, must ensure that he\\/she knows the full details of the debt counsellor offering to assist. This includes the debt counsellors name and surname, place of practice and the NCR registration number which is issued upon registration by the NCR. Even if the debt counsellor is operating using a business\\/trading name, the consumer has a right to be provided this information. To verify the registration of a debt counsellor with the NCR, please visit <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or send an email to <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a>.<\\/p>\\r\\n<p>Adv. Legodi further provides clarity on the question that often comes up, when is a consumer under debt counselling? A consumer is considered to be under debt counselling when he\\/she has applied for debt counselling in a prescribed manner as set out in the National Credit Act. A duly completed and signed application form (referred to as Form 16) or a clear record of when the consumer furnished all information\\/documentation to the debt counsellor is used to prove that a consumer is under debt counselling. It is for this reason, that consumers are advised to ensure understanding of the debt counselling process before finalisation of the application. Consumers should not succumb to the pressure of signing the application if unsure. For a detailed explanation of the debt counselling process, consumers are advised to visit the NCR website at <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> .<\\/p>\\r\\n<p>Some important factors to consider:<\\/p>\\r\\n<ul>\\r\\n<li>There is a difference between debt counselling and debt consolidation. Debt consolidation offers the consumer one loan to pay off all debts. This will result in the reduction of the consumer\\u2019s multiple payments into one single monthly payment to the credit provider that has granted the consolidation loan.<\\/li>\\r\\n<li>If approached and offered debt counselling, insist on getting clarity from the caller regarding their source of information or where they received your contact details and do your homework first before you commit to what is being offered.<\\/li>\\r\\n<li>Debt counselling does not cancel debt, it helps consumers to make reduced payments using disposable income and without having to borrow more money.<\\/li>\\r\\n<li>If under debt counselling you will be paying reduced amounts, as a result the repayment period of your debt may increase and you will take longer to pay off your debts. However, you will still enjoy the legal protection against enforcement of debt by credit providers as long as you continue making payments as agreed.<\\/li>\\r\\n<li>Debt counselling is not a savings plan, it is a measure intended to provide relief for over-indebted consumers. Anyone saying even if you are not over-indebted you can apply, please note that this is misleading and do not do any business with such an individual, they do not have your best intentions at heart.<\\/li>\\r\\n<li>When under debt counselling, you cannot apply for further credit until you have repaid your debts and have been issued with a clearance certificate.<\\/li>\\r\\n<li>If you apply for debt counselling, a debt counselling flag\\/indicator will be displayed on your credit profile at the credit bureau until a clearance certificate is issued by the debt counsellor.<\\/li>\\r\\n<li>If you are married in community of property, you must jointly apply for debt counselling with your spouse.<\\/li>\\r\\n<li>Debt counselling is not a free service\\u2013visit the NCR website on <a href=\\\"documents\\/debt%20counselling%20fee%20structure%20guideline.pdf\\\">https:\\/\\/www.ncr.org.za\\/documents\\/debt%20counselling%20fee%20structure%20guideline.pdf<\\/a> \\u00a0for a fee guideline and request a written disclosure of applicable fees prior to applying for debt counselling from your debt counsellor.<\\/li>\\r\\n<li>Do not give\\/pay the debt counsellor money to pay your credit providers. You can either pay your credit providers directly or use a Payment Distribution Agent.<\\/li>\\r\\n<li>If your debt counsellor is un-contactable, please contact the NCR immediately for assistance.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>If consumers wish to lodge a complaint against a debt counsellor, credit provider, credit bureaus or a payment distribution agent they may send the complaint to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. To get a list of registered debt counsellors operating closer to work or residential area, consumers are advised to visit <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a>. Given the current economic climate, many consumers will undoubtedly find it difficult to cope and manage contractual repayments, please do not despair, be proactive, do not be pressurized, address your financial hardships by seeking more information on the debt counselling process and gain a thorough understanding because an informed consumer is a protected one, concludes Adv. Legodi.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information, contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: Didi Sebothoma:<br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-08-10 12:50:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-10 12:50:16\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-08-10 12:50:16\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1240,24,1,'','2022-08-10 12:53:23',915,42623,'b1476b8df61f283b1ef867c916e74ca0c61da3cf','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling-a debt relief measure for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his\\/her income is not sufficient to cover...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=129&amp;catid=8\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Young Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises youth-owned legal companies trading in South Africa and young individuals who demonstrate high levels of entrepreneurship in the manufacturing or service industries.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Young BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Women Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises women owned companies trading in South Africa and women who demonstrate high levels of entrepreneurship. The company should be at least 51% black women owned and be in the services or manufacturing sectors.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Women BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Sustainability BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-10 12:53:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-08-10 12:50:56\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":85,\"ordering\":\"39\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50284\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1241,24,1,'','2022-08-10 12:54:12',915,42627,'b85566c63d85d8ffead998b35673219e4ffaf050','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling-a debt relief measure for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his\\/her income is not sufficient to cover...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=129&amp;catid=8\\\">Read More...<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Young Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises youth-owned legal companies trading in South Africa and young individuals who demonstrate high levels of entrepreneurship in the manufacturing or service industries.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Young BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Women Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises women owned companies trading in South Africa and women who demonstrate high levels of entrepreneurship. The company should be at least 51% black women owned and be in the services or manufacturing sectors.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Women BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Sustainability BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-10 12:54:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-08-10 12:53:23\",\"publish_up\":\"2019-03-27 14:00:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":86,\"ordering\":\"39\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50286\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1242,129,1,'','2022-08-10 13:01:35',915,10392,'e2f6d77e9c536f7bad551da4170717b769b7a28d','{\"id\":129,\"asset_id\":\"286\",\"title\":\"Debt counselling-a debt relief measure for over-indebted consumers \",\"alias\":\"debt-counselling-a-debt-relief-measure-for-over-indebted-consumers\",\"introtext\":\"<p align=\\\"right\\\"><strong> August 2022<\\/strong><\\/p>\\r\\n<p>Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his\\/her income is not sufficient to cover all his\\/her living expenses and debt repayments. Various circumstances such as job loss, reduction of income, sickness, death, rising cost of living (petrol hikes, increase in food prices, electricity, etc.) and others are often the main contributors for consumer over-indebtedness. Consumers who are experiencing financial distress should not ignore their debt obligations, they need to approach credit providers and communicate their financial position and negotiate reasonable repayment options. If this attempt fails, consumers are encouraged to consider debt counselling and approach a registered debt counsellor who will on their behalf negotiate reasonable repayment terms informed by what the consumer can afford with the credit providers, says Adv. Kedilatile Legodi, Manager: Debt Counselling at the National Credit Regulator(NCR).<\\/p>\\r\\n<p>The concept of debt counselling is often misunderstood by many, as a result consumers miss out on the benefits and the protection that debt counselling offer. In addition, there is a high number of false and misleading debt counselling marketing practices noted by the NCR either online, social media or telephonic with the sole intent of exploiting unsuspecting and financially distressed consumers. Some of these marketing practices, promise a certain percentage of debt reduction (even prior to a financial assessment), savings or consolidation. If it sounds too good to be true, it probably is, warns Adv. Legodi.<\\/p>\\r\\n<p>Consumers are advised to be aware of false and misleading practices and to not fall victim particularly if approached. Understanding the debt counselling process from end to end, the consequences, the applicable fees charged, when, where and how to pay such fees, the various steps of the process, the prescribed timelines, the provisions to exit debt counselling and others are important elements that the consumer must ensure knowledge of before signing on the dotted line.<\\/p>\\r\\n<p>Debt counselling is only conducted by a debt counsellor registered with the NCR. In terms of the National Credit Act, debt counsellors are registered as individuals and not as a juristic person\\/company. Therefore, a financially distressed consumer seeking the services of a debt counsellor, must ensure that he\\/she knows the full details of the debt counsellor offering to assist. This includes the debt counsellors name and surname, place of practice and the NCR registration number which is issued upon registration by the NCR. Even if the debt counsellor is operating using a business\\/trading name, the consumer has a right to be provided this information. To verify the registration of a debt counsellor with the NCR, please visit <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or send an email to <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a>.<\\/p>\\r\\n<p>Adv. Legodi further provides clarity on the question that often comes up, when is a consumer under debt counselling? A consumer is considered to be under debt counselling when he\\/she has applied for debt counselling in a prescribed manner as set out in the National Credit Act. A duly completed and signed application form (referred to as Form 16) or a clear record of when the consumer furnished all information\\/documentation to the debt counsellor is used to prove that a consumer is under debt counselling. It is for this reason, that consumers are advised to ensure understanding of the debt counselling process before finalisation of the application. Consumers should not succumb to the pressure of signing the application if unsure. For a detailed explanation of the debt counselling process, consumers are advised to visit the NCR website at <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> .<\\/p>\\r\\n<p>Some important factors to consider:<\\/p>\\r\\n<ul>\\r\\n<li>There is a difference between debt counselling and debt consolidation. Debt consolidation offers the consumer one loan to pay off all debts. This will result in the reduction of the consumer\\u2019s multiple payments into one single monthly payment to the credit provider that has granted the consolidation loan.<\\/li>\\r\\n<li>If approached and offered debt counselling, insist on getting clarity from the caller regarding their source of information or where they received your contact details and do your homework first before you commit to what is being offered.<\\/li>\\r\\n<li>Debt counselling does not cancel debt, it helps consumers to make reduced payments using disposable income and without having to borrow more money.<\\/li>\\r\\n<li>If under debt counselling you will be paying reduced amounts, as a result the repayment period of your debt may increase and you will take longer to pay off your debts. However, you will still enjoy the legal protection against enforcement of debt by credit providers as long as you continue making payments as agreed.<\\/li>\\r\\n<li>Debt counselling is not a savings plan, it is a measure intended to provide relief for over-indebted consumers. Anyone saying even if you are not over-indebted you can apply, please note that this is misleading and do not do any business with such an individual, they do not have your best intentions at heart.<\\/li>\\r\\n<li>When under debt counselling, you cannot apply for further credit until you have repaid your debts and have been issued with a clearance certificate.<\\/li>\\r\\n<li>If you apply for debt counselling, a debt counselling flag\\/indicator will be displayed on your credit profile at the credit bureau until a clearance certificate is issued by the debt counsellor.<\\/li>\\r\\n<li>If you are married in community of property, you must jointly apply for debt counselling with your spouse.<\\/li>\\r\\n<li>Debt counselling is not a free service\\u2013visit the NCR website on <a href=\\\"documents\\/debt%20counselling%20fee%20structure%20guideline.pdf\\\">the debt counselling fee guidelines 2018<\\/a> \\u00a0for a fee guideline and request a written disclosure of applicable fees prior to applying for debt counselling from your debt counsellor.<\\/li>\\r\\n<li>Do not give\\/pay the debt counsellor money to pay your credit providers. You can either pay your credit providers directly or use a Payment Distribution Agent.<\\/li>\\r\\n<li>If your debt counsellor is un-contactable, please contact the NCR immediately for assistance.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>If consumers wish to lodge a complaint against a debt counsellor, credit provider, credit bureaus or a payment distribution agent they may send the complaint to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. To get a list of registered debt counsellors operating closer to work or residential area, consumers are advised to visit <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a>. Given the current economic climate, many consumers will undoubtedly find it difficult to cope and manage contractual repayments, please do not despair, be proactive, do not be pressurized, address your financial hardships by seeking more information on the debt counselling process and gain a thorough understanding because an informed consumer is a protected one, concludes Adv. Legodi.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information, contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: Didi Sebothoma:<br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-08-10 12:50:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-10 13:01:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-08-10 13:01:12\",\"publish_up\":\"2022-08-10 12:50:16\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1243,25,1,'','2022-08-11 14:38:20',915,28737,'8283de4de2aec9de7d7aa19004d657333ae98b0d','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2022-Sale of personal information.pdf\\\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\\\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-11 14:38:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-08-11 14:36:12\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":56,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"22789\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1246,29,1,'','2022-08-22 15:19:06',915,4898,'d06533cb897db3107765421649097e17bdb158a2','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/GUIDELINE FOR THE DIGITAL SERVICE AND DELIVERY OF NOTICES AND DOCUMENTS.pdf\\\">Guideline for the digital service and delivery of notices and documents under the national credit act 34 of 2005 (\\u201cthe nca\\u201d)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/27 May 2021-Debt Withdrawal  review.pdf\\\">NCR debt review withdrawal guidelines 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines For Standard Court Order03.pdf\\\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Annexure A- Standardized Court Order Template.pdf\\\">Annexure A- Standardized Court Order Template<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-22 15:19:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-08-22 15:16:59\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"22204\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1248,74,1,'','2022-08-26 11:36:14',915,4314,'6e12ba81de28e28f021074e00f337d412f51ff6c','{\"id\":74,\"asset_id\":\"212\",\"title\":\"Webinars\",\"alias\":\"webinars\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR Educational webinar<\\/strong><\\/td>\\r\\n<td><strong>NCR Task team agreements<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars WEB 2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR DHS transfers webinars<\\/strong><\\/td>\\r\\n<td><strong>NCR DC Bonds<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR WEBINAR WEB 3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC BONDS.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>NCR DC Complaince<\\/strong><\\/td>\\r\\n<td><strong>DC Advertising practices<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinar - DC Complaince.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC ADVERTISING PRACTICES.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling Consumer Education<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/Debt Counselling Consumer Education Webinar.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2020-03-23 09:58:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-26 11:36:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-08-26 11:24:44\",\"publish_up\":\"2020-03-23 09:58:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8799\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1249,74,1,'','2022-08-26 13:51:42',915,4327,'b67a7bc286b2258af14fdee19e2af4b4a7717b72','{\"id\":74,\"asset_id\":\"212\",\"title\":\"Webinars\",\"alias\":\"webinars\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR Educational webinar<\\/strong><\\/td>\\r\\n<td><strong>NCR Task team agreements<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars WEB 2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR DHS transfers webinars<\\/strong><\\/td>\\r\\n<td><strong>NCR DC Bonds<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR WEBINAR WEB 3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC BONDS.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>NCR DC Complaince<\\/strong><\\/td>\\r\\n<td><strong>DC Advertising practices<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinar - DC Complaince.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC ADVERTISING PRACTICES.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>NCR: Consumer Education Debt Counselling webinar<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/Debt Counselling Consumer Education Webinar.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2020-03-23 09:58:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-26 13:51:42\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-08-26 13:51:04\",\"publish_up\":\"2020-03-23 09:58:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8801\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1257,130,1,'','2022-09-13 11:21:35',915,7358,'3e40515acf396eac6591eee0c3253d58ce73b3a9','{\"id\":130,\"asset_id\":287,\"title\":\"MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences\",\"alias\":\"msr-financial-solutions-pty-ltd-and-other-credit-providers-flout-the-national-credit-act-and-deals-with-the-consequences\",\"introtext\":\"<p align=\\\"right\\\"><strong>May 2022<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator welcomes the judgement that was handed down by the National Consumer Tribunal (Tribunal) against MSR Financial Solutions (Pty) Ltd previously known as Major Authorised Debt Mediation (Pty) Ltd which entity is conducting its business in Bloemfontein, Free State region. This judgement follows an investigation by the National Credit Regulator into the conduct of the aforementioned entity. The investigation revealed that the entity was acting in a manner contrary to the provisions of the National Credit Act. \\u201cThe National Credit Regulator subsequently referred an application to the Tribunal\\u201d, says Ms. Nomsa Motshegare, CEO of the National Credit Regulator.<\\/p>\\r\\n<p>The National Credit Regulator\\u2019s investigation revealed that MSR Financial Solutions (Pty) Ltd previously known as Major Authorised Debt Mediation (Pty) Ltd informed to provide alternative dispute resolution services whilst it was not registered as an Alternative Dispute Resolution Agent with the National Credit Regulator. Motshegare explains that in terms of the National Credit Act, an entity providing the services of an Alternative Dispute Resolution Agent must register with the National Credit Regulator.<\\/p>\\r\\n<p>\\u201cMSR Financial Solutions (Pty) Ltd previously known as Major Authorised Debt Mediation (Pty) Ltd also displayed the National Credit Regulator\\u2019s logo on its advertisements which gave the impression that the National Credit Regulator condoned its business practices which was never the case\\u201d, says Motshegare. \\u201cThe services offered went beyond the scope of an Alternative Dispute Resolution Agents\\u2019 services and was akin to the services provided by a debt counsellor and a payment distribution agency\\u201d, adds Motshegare.\\u00a0 Consumers were effectively paying fees for an unlawful service and\\/or a service which they did not even receive. \\u201cThe aforesaid conduct was found to be a serious prohibition and a contravention of Section 134A read with Section 1 and Regulation 10B of the Act\\u201d adds Motshegare.<\\/p>\\r\\n<p>Furthermore to this, the entity was found to have contravened Section 44(2), 3(g) and Section 126A and 126(3) of the National Credit Act. The Tribunal imposed an administrative fine against the entity in the amount of R50\\u00a0000.00 and amongst other orders ordered the entity to refund fees and costs to consumers.<\\/p>\\r\\n<p>Motshegare alerts consumers of the aforesaid conduct observed within the credit market. It is imperative that consumers ensure that the entities they approach for Alternative Dispute Resolution services are in fact registered with the National Credit Regulator to provide such services. She also stressed that only a registered debt counsellor can make a determination of over-indebtedness. This clearly means that consumers should check if a person declaring them to be over-indebted is indeed registered with the National Credit Regulator by checking on the website <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or alternatively to call 0860 627 627.<\\/p>\\r\\n<p>In other matters, the National Credit Regulator investigated and referred the following entities to the National Consumer Tribunal. The following credit providers were deregistered for committing various contraventions of the National Credit Act:<\\/p>\\r\\n<ul>\\r\\n<li><strong>TITUSG TRADERS (PTY) LTD -<\\/strong> a registered Credit Provider with registration number NCRCP9727 having its registered place of business at 2 Coleskop street, Rosedale, Upington, Northern Cape.<\\/li>\\r\\n<li><strong>PANGOLIN LOANS (PTY) LTD<\\/strong>, a registered Credit Provider with registration number NCRCP12222 having its registered place of business at Corso Building, Stand no 777 Luphisi, Sibuyile, Mpumalanga 1218.<\\/li>\\r\\n<li><strong>DLAMINI ZAK ENTERPRISES (PTY) LTD<\\/strong>, a registered Credit Provider with registration number NCRCP11532 having its registered place of business at 3097 Luvuyo Street, Kanana Extension 5, Rabie Ridge, Halfway House, Gauteng.\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>Motshegare warns entities that are flouting the National Credit Act against such conduct as the National Credit Regulator will not hesitate to take action against such entities.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: Didi Sebothoma: Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-09-13 11:21:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-09-13 11:21:35\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-09-13 11:21:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1270,71,1,'','2022-09-21 15:08:27',915,13714,'c5cd35ff567f3dd006347bff091a3616d4662b70','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" cellspacing=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Debt Counselling<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-1.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-2.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-3.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-4.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-02.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-03.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-04.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Debt Counselling Campaign | September<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb010.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb011.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb012.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb013.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>Youth Month<br \\/> Campaign | June<\\/td>\\r\\n<td>Debt Counselling<br \\/> Campaign | August<\\/td>\\r\\n<td>Spend Wisely<br \\/> Campaign | December<\\/td>\\r\\n<td>World Cup<br \\/> Campaign | June<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Youth Month Camp\\/youth_camp_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - Aug2009\\/debt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Spend Wisely Camp\\/Tighten_your_belt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/World Cup Camp - june2010\\/world_cup_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Rights<\\/h5>\\r\\n<img src=\\\"images\\/website banner consumer rights.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\">Please choose language<br \\/> NCR Budget Save Radio Advert<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"images\\/NCR TV Ad final.mp4\\\">Click here to view the NCR TV Ad<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<table>\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li type=\\\"\\\"><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - English (35sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Ndebele (46sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Sepedi (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - South Sotho (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Setswana (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Siswati (50sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Siswati<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Venda (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xhosa (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Zulu (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Money Smart Week South Africa.<\\/h5>\\r\\n<img src=\\\"images\\/facebook cover.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_1.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_4.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Be Credit Smart<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard3.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard2.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_be_credit_smart.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard_know_your_rights.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_hard_times.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR1-960x300.png\\\" \\/> <br \\/><img src=\\\"images\\/campaign images\\/NCR2-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR3-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR4-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR5-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Orange300x250.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Orange300x250_1.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/NCR2.gif\\\" \\/><\\/p>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/Orange728x90.gif\\\" height=\\\"51\\\" \\/><\\/p>--><hr \\/><hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"2\\\">\\r\\n<h5>Women\'s Month Campaign | August<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_07_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_08_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Savings Month Campaign\\u00a0- Starting saving today Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/SASI\\/sasi_thumb_04.jpg\\\" alt=\\\"\\\" width=\\\"240\\\" height=\\\"63\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/2010_01_tips_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_03_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_04_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_02_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"4\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-1_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-2_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-3_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-4_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-09-21 15:08:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-09-21 15:05:06\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":94,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9952\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1271,71,1,'','2022-09-21 15:11:07',915,13764,'9be6975546c00f1a9aee06773147fe24c684b499','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" cellspacing=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Debt Counselling<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-1.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-2.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-3.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-4.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-02.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-03.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-04.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Debt Counselling Campaign | September<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb010.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb011.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb012.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb013.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>Youth Month<br \\/> Campaign | June<\\/td>\\r\\n<td>Debt Counselling<br \\/> Campaign | August<\\/td>\\r\\n<td>Spend Wisely<br \\/> Campaign | December<\\/td>\\r\\n<td>World Cup<br \\/> Campaign | June<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Youth Month Camp\\/youth_camp_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - Aug2009\\/debt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Spend Wisely Camp\\/Tighten_your_belt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/World Cup Camp - june2010\\/world_cup_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"2\\\">\\r\\n<h5>Women\'s Month Campaign | August<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_07_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_08_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Savings Month Campaign\\u00a0- Starting saving today Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/SASI\\/sasi_thumb_04.jpg\\\" alt=\\\"\\\" width=\\\"240\\\" height=\\\"63\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Rights<\\/h5>\\r\\n<img src=\\\"images\\/website banner consumer rights.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\">Please choose language<br \\/> NCR Budget Save Radio Advert<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"images\\/NCR TV Ad final.mp4\\\">Click here to view the NCR TV Ad<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<table>\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li type=\\\"\\\"><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - English (35sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Ndebele (46sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Sepedi (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - South Sotho (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Setswana (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Siswati (50sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Siswati<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Venda (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xhosa (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Zulu (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Money Smart Week South Africa.<\\/h5>\\r\\n<img src=\\\"images\\/facebook cover.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_1.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_4.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Be Credit Smart<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard3.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard2.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_be_credit_smart.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard_know_your_rights.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_hard_times.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR1-960x300.png\\\" \\/> <br \\/><img src=\\\"images\\/campaign images\\/NCR2-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR3-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR4-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR5-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Orange300x250.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Orange300x250_1.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/NCR2.gif\\\" \\/><\\/p>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/Orange728x90.gif\\\" height=\\\"51\\\" \\/><\\/p>--><hr \\/><hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/2010_01_tips_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_03_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_04_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_02_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"4\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-1_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-2_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-3_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-4_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-09-21 15:11:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-09-21 15:08:27\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":95,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9954\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1272,71,1,'','2022-09-21 15:12:15',915,13817,'cdc840b895a69e02b52f56b6016a2e6814cb7416','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" cellspacing=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Debt Counselling<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-1.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-2.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-3.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-4.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-02.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-03.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-04.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Debt Counselling Campaign | September<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb010.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb011.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb012.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb013.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>Youth Month<br \\/> Campaign | June<\\/td>\\r\\n<td>Debt Counselling<br \\/> Campaign | August<\\/td>\\r\\n<td>Spend Wisely<br \\/> Campaign | December<\\/td>\\r\\n<td>World Cup<br \\/> Campaign | June<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Youth Month Camp\\/youth_camp_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - Aug2009\\/debt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Spend Wisely Camp\\/Tighten_your_belt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/World Cup Camp - june2010\\/world_cup_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"2\\\">\\r\\n<h5>Women\'s Month Campaign | August<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_07_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_08_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Savings Month Campaign\\u00a0- Starting saving today Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/SASI\\/sasi_thumb_04.jpg\\\" alt=\\\"\\\" width=\\\"240\\\" height=\\\"63\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Rights<\\/h5>\\r\\n<img src=\\\"images\\/website banner consumer rights.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\">Please choose language<br \\/> NCR Budget Save Radio Advert<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"images\\/NCR TV Ad final.mp4\\\">Click here to view the NCR TV Ad<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<table>\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li type=\\\"\\\"><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - English (35sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Ndebele (46sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Sepedi (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - South Sotho (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Setswana (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Siswati (50sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Siswati<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Venda (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xhosa (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Zulu (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Money Smart Week South Africa.<\\/h5>\\r\\n<img src=\\\"images\\/facebook cover.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_1.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_4.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Be Credit Smart<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard3.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard2.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_be_credit_smart.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard_know_your_rights.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_hard_times.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR1-960x300.png\\\" \\/> <br \\/><img src=\\\"images\\/campaign images\\/NCR2-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR3-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR4-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR5-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Orange300x250.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Orange300x250_1.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/NCR2.gif\\\" \\/><\\/p>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/Orange728x90.gif\\\" height=\\\"51\\\" \\/><\\/p>--><hr \\/><hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/2010_01_tips_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_03_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_04_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_02_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"4\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-1_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-2_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-3_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-4_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-09-21 15:12:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-09-21 15:11:07\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":96,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9955\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1273,71,1,'','2022-09-21 15:13:15',915,13810,'4e2909f87c7ec8f26278f528f69c9eee3b44122e','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" cellspacing=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Debt Counselling<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-1.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-2.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-3.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-4.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-02.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-03.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-04.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Debt Counselling Campaign | September<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb010.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb011.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb012.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb013.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>Youth Month<br \\/> Campaign | June<\\/td>\\r\\n<td>Debt Counselling<br \\/> Campaign | August<\\/td>\\r\\n<td>Spend Wisely<br \\/> Campaign | December<\\/td>\\r\\n<td>World Cup<br \\/> Campaign | June<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Youth Month Camp\\/youth_camp_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - Aug2009\\/debt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Spend Wisely Camp\\/Tighten_your_belt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/World Cup Camp - june2010\\/world_cup_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"2\\\">\\r\\n<h5>Women\'s Month Campaign | August<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_07_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_08_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Savings Month Campaign\\u00a0- Starting saving today Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/SASI\\/sasi_thumb_04.jpg\\\" alt=\\\"\\\" width=\\\"240\\\" height=\\\"63\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Rights<\\/h5>\\r\\n<img src=\\\"images\\/website banner consumer rights.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\">Please choose language<br \\/> NCR Budget Save Radio Advert<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"images\\/NCR TV Ad final.mp4\\\">Click here to view the NCR TV Ad<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<table>\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li type=\\\"\\\"><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - English (35sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Ndebele (46sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Sepedi (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - South Sotho (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Setswana (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Siswati (50sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Siswati<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Venda (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xhosa (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Zulu (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Money Smart Week South Africa.<\\/h5>\\r\\n<img src=\\\"images\\/facebook cover.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_1.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_4.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Be Credit Smart<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard3.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard2.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_be_credit_smart.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard_know_your_rights.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_hard_times.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR1-960x300.png\\\" \\/> <br \\/><img src=\\\"images\\/campaign images\\/NCR2-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR3-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR4-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR5-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Orange300x250.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Orange300x250_1.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/NCR2.gif\\\" \\/><\\/p>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/Orange728x90.gif\\\" height=\\\"51\\\" \\/><\\/p>--><hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/2010_01_tips_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_03_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_04_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_02_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"4\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-1_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-2_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-3_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-4_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-09-21 15:13:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-09-21 15:12:15\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":97,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9956\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1274,71,1,'','2022-09-21 15:18:01',915,13669,'eea4650b9b579014bb0ef5fced1b63da43209c5e','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" cellspacing=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Debt Counselling<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-1.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-2.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-3.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-4.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-02.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-03.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-04.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Debt Counselling Campaign | September<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb010.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb011.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb012.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb013.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>Youth Month<br \\/> Campaign | June<\\/td>\\r\\n<td>Debt Counselling<br \\/> Campaign | August<\\/td>\\r\\n<td>Spend Wisely<br \\/> Campaign | December<\\/td>\\r\\n<td>World Cup<br \\/> Campaign | June<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Youth Month Camp\\/youth_camp_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - Aug2009\\/debt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Spend Wisely Camp\\/Tighten_your_belt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/World Cup Camp - june2010\\/world_cup_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"2\\\">\\r\\n<h5>Women\'s Month Campaign | August<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_07_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_08_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Savings Month Campaign\\u00a0- Starting saving today Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/SASI\\/sasi_thumb_04.jpg\\\" alt=\\\"\\\" width=\\\"240\\\" height=\\\"63\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Rights<\\/h5>\\r\\n<img src=\\\"images\\/website banner consumer rights.jpg\\\" width=\\\"50%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"images\\/NCR TV Ad final.mp4\\\">click here to hear the Radio advert<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<table>\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li type=\\\"\\\"><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - English (35sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Ndebele (46sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Sepedi (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - South Sotho (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Setswana (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Siswati (50sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Siswati<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Venda (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xhosa (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Zulu (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Money Smart Week South Africa.<\\/h5>\\r\\n<img src=\\\"images\\/facebook cover.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_1.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_4.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Be Credit Smart<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard3.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard2.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_be_credit_smart.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard_know_your_rights.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_hard_times.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR1-960x300.png\\\" \\/> <br \\/><img src=\\\"images\\/campaign images\\/NCR2-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR3-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR4-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR5-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Orange300x250.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Orange300x250_1.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/NCR2.gif\\\" \\/><\\/p>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/Orange728x90.gif\\\" height=\\\"51\\\" \\/><\\/p>--><hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/2010_01_tips_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_03_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_04_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_02_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"4\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-1_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-2_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-3_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-4_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-09-21 15:18:01\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-09-21 15:13:15\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":98,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9957\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1275,71,1,'','2022-09-21 15:18:31',915,13669,'c1f97ec16041101bed27580616f651d4a58ba3ec','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" cellspacing=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Debt Counselling<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-1.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-2.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-3.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-4.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-02.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-03.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-04.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Debt Counselling Campaign | September<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb010.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb011.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb012.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb013.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>Youth Month<br \\/> Campaign | June<\\/td>\\r\\n<td>Debt Counselling<br \\/> Campaign | August<\\/td>\\r\\n<td>Spend Wisely<br \\/> Campaign | December<\\/td>\\r\\n<td>World Cup<br \\/> Campaign | June<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Youth Month Camp\\/youth_camp_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - Aug2009\\/debt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Spend Wisely Camp\\/Tighten_your_belt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/World Cup Camp - june2010\\/world_cup_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"2\\\">\\r\\n<h5>Women\'s Month Campaign | August<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_07_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_08_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Savings Month Campaign\\u00a0- Starting saving today Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/SASI\\/sasi_thumb_04.jpg\\\" alt=\\\"\\\" width=\\\"240\\\" height=\\\"63\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Rights<\\/h5>\\r\\n<img src=\\\"images\\/website banner consumer rights.jpg\\\" width=\\\"70%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"images\\/NCR TV Ad final.mp4\\\">click here to hear the Radio advert<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<table>\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li type=\\\"\\\"><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - English (35sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Ndebele (46sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Sepedi (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - South Sotho (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Setswana (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Siswati (50sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Siswati<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Venda (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xhosa (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Zulu (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Money Smart Week South Africa.<\\/h5>\\r\\n<img src=\\\"images\\/facebook cover.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_1.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_4.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Be Credit Smart<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard3.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard2.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_be_credit_smart.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard_know_your_rights.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_hard_times.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR1-960x300.png\\\" \\/> <br \\/><img src=\\\"images\\/campaign images\\/NCR2-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR3-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR4-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR5-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Orange300x250.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Orange300x250_1.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/NCR2.gif\\\" \\/><\\/p>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/Orange728x90.gif\\\" height=\\\"51\\\" \\/><\\/p>--><hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/2010_01_tips_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_03_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_04_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_02_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"4\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-1_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-2_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-3_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-4_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-09-21 15:18:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-09-21 15:18:01\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":99,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9958\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1276,71,1,'','2022-09-21 15:19:33',915,13723,'fd456f2d109aca03e5598bca87707969624cea01','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" cellspacing=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Debt Counselling<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-1.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-2.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-3.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-4.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-02.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-03.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-04.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Debt Counselling Campaign | September<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb010.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb011.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb012.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb013.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>Youth Month<br \\/> Campaign | June<\\/td>\\r\\n<td>Debt Counselling<br \\/> Campaign | August<\\/td>\\r\\n<td>Spend Wisely<br \\/> Campaign | December<\\/td>\\r\\n<td>World Cup<br \\/> Campaign | June<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Youth Month Camp\\/youth_camp_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - Aug2009\\/debt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Spend Wisely Camp\\/Tighten_your_belt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/World Cup Camp - june2010\\/world_cup_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"2\\\">\\r\\n<h5>Women\'s Month Campaign | August<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_07_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_08_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Savings Month Campaign\\u00a0- Starting saving today Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/SASI\\/sasi_thumb_04.jpg\\\" alt=\\\"\\\" width=\\\"240\\\" height=\\\"63\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Rights<\\/h5>\\r\\n<img src=\\\"images\\/website banner consumer rights.jpg\\\" width=\\\"70%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"images\\/NCR TV Ad final.mp4\\\">click here to hear the Radio advert<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<table>\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li type=\\\"\\\"><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - English (35sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Ndebele (46sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Sepedi (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - South Sotho (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Setswana (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Siswati (50sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Siswati<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Venda (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xhosa (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Zulu (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Money Smart Week South Africa.<\\/h5>\\r\\n<img src=\\\"images\\/facebook cover.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_1.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_4.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Be Credit Smart<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard3.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard2.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_be_credit_smart.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard_know_your_rights.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_hard_times.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR1-960x300.png\\\" \\/> <br \\/><img src=\\\"images\\/campaign images\\/NCR2-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR3-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR4-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR5-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Orange300x250.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Orange300x250_1.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/NCR2.gif\\\" \\/><\\/p>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/Orange728x90.gif\\\" height=\\\"51\\\" \\/><\\/p>--><hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/2010_01_tips_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_03_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_04_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_02_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"4\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-1_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-2_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-3_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-4_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-09-21 15:19:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-09-21 15:18:31\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":100,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9959\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1279,27,1,'','2022-10-03 15:21:59',915,6166,'f8390a074b837b7fcd6293e2485738e2dc06908e','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"650\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2022.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/30 September 2022 - NCR Annual Report 2022.pdf\\\">Annual Report 2021\\/2022<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_-report_2020_2021.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR-AR2020-2021.pdf\\\">Annual Report 2020\\/2021<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\u00a0 <img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-10-03 15:21:59\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-10-03 15:16:21\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":22,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"19147\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1281,48,1,'','2022-10-05 14:45:36',915,33019,'65af0e1d0d547fa207ccbfc45feb0287600a9519','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2021Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q3_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2019Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2018Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2018Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2017Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2017Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2017Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2017Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007-Q4 to 2016-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q3\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2016-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q4 December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2015-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3 2015 - V2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q2 to 2015-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR Q2 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR_Q32015 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q42014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li>\\u00a0<a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q22014 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.<\\/a><\\/li>\\r\\n<li style=\\\"margin-bottom: 5px;\\\"><a href=\\\"publications\\/Consumer%20Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2014-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/CCMR Q12014 draft1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\\\">Web-Dataset 2007 - Q4 to 2014 - Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2013 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Report\\/ccmr_3rdQ2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a>.<\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccmr_3rdQ2013\\/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006.\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CBM%20data%20Q22007%20-%20Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset CBM data 2007-Q4 to 2012-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/CCMR%20Q32012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African \\u00a0consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/Web-Dataset%202007-Q4%20to%202012-Q3.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2012-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-10-05 14:45:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-10-05 14:45:29\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":54,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"195336\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1282,48,1,'','2022-10-05 14:47:35',915,33019,'90543b782802799f7dee80f873d36064549230be','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2021Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q3_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2019Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2018Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2018Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2017Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2017Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2017Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2017Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007-Q4 to 2016-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q3\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2016-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q4 December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2015-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3 2015 - V2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q2 to 2015-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR Q2 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR_Q32015 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q42014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li>\\u00a0<a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q22014 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.<\\/a><\\/li>\\r\\n<li style=\\\"margin-bottom: 5px;\\\"><a href=\\\"publications\\/Consumer%20Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2014-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/CCMR Q12014 draft1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\\\">Web-Dataset 2007 - Q4 to 2014 - Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2013 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Report\\/ccmr_3rdQ2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a>.<\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccmr_3rdQ2013\\/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006.\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CBM%20data%20Q22007%20-%20Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset CBM data 2007-Q4 to 2012-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/CCMR%20Q32012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African \\u00a0consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/Web-Dataset%202007-Q4%20to%202012-Q3.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2012-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-10-05 14:47:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-10-05 14:45:36\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":55,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"195337\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1285,131,1,'','2022-10-05 15:33:47',915,6920,'3991075a112129cfb1c1b6a06cdaca9447cf96d5','{\"id\":131,\"asset_id\":288,\"title\":\"Credit extension marginally slows down \",\"alias\":\"credit-extension-marginally-slows-down\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2022<\\/strong><\\/p>\\r\\n<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted by the registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information from April 2022 to June 2022. The total value of new credit granted decreased by 1.13% quarter-on-quarter from R159.16 billion to R157.37 billion. The number of credit agreements entered into increased by 4.68% quarter-on-quarter from 3.83 million to 4.01 million.<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2022:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R1.80 billion (3.22%) quarter-on-quarter and by R916.13 million (1.62%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R2.27 billion (4.78%) quarter-on-quarter, and increased by R1.96 billion (4.55%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R441.79 million (1.79%) quarter-on-quarter and increased by R3.43 billion (16.47%) year-on year.<\\/li>\\r\\n<li>Unsecured credit increased by R292.42 million (1.10%) quarter-on-quarter and by R4.53 billion (20.18%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2022 was R2.19 trillion, representing an increase of 1.13% quarter-on-quarter and of 6.35% year-on-year. The trends for outstanding balances for the quarter ended June 2022 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R18.00 billion (1.60%) quarter\\u2013on-quarter and by R82.19 billion (7.75%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R1.08 billion (0.23%) quarter-on-quarter and by R20.31 billion (4.42%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R3.67 billion (1.30%) quarter-on-quarter and by R20.71 billion (7.79%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R2.30 billion (1.07%) quarter-on-quarter and by R6.13 billion (2.92%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 26.52 million credit-active consumers, which showed an increase of 0.15% when compared to the 26.48 million in the previous quarter. Consumers classified in good standing increased by 197,993 to 16.63 million consumers. This amounts to 62.73% of the total number of credit-active consumers. The number of credit-active accounts increased from 84.73 million to 85.49 million in the quarter ended June 2022. The number of impaired accounts has decreased from 19.59 million (23.12%) to 19.26 million (22.53%) in June 2022, a decrease of 327,075 quarter-on-quarter and 598,021 year-on-year. <br \\/> Consumers are encouraged to exercise their consumer rights by getting their free credit reports from the registered credit bureaus. A credit report will outline the consumer\\u2019s debt and other financial obligations, thus making it easier to draft a budget and work towards the settlement of their debt, thereby improving the state of their credit reports and saving. Consumers who are experiencing financial difficulties and are battling with their debt repayments, should contact their credit providers for assistance. Avoiding credit providers when in distress is not a solution. In worst cases, the assistance of a registered debt counsellor must be sought. Debt counselling was introduced to assist consumers who are over-indebted, advised Nomsa Motshegare, CEO of the NCR.<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March 2022 and June 2022 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2021 and June 2022<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong> <\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<\\/p>\\r\\n<p align=\\\"center\\\">Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-10-05 15:33:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-10-05 15:33:47\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-10-05 15:33:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1292,46,1,'','2022-10-07 08:57:13',915,64358,'0e62b7fb9bee03435735a6308106adffae805243','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><b><br \\/><\\/b><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol style=\\\"font-size: 12.16px; line-height: 15.808px;\\\">\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Second Quarter | June 2015<\\/b><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<b style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/b><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"600\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\">the information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2022.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\">he information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q2 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2020_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2019 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q12017\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q12017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM Data December 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM Data December 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q32016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q22016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM data Q22007 - Q42014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM data Q22007 - Q32014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second\\u00a0Quarter | June\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/CBM data Q22007 - Q22014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM data Q22007 - Q12014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM data Q22007-Q42013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM data Q22007 - Q32013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM June 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM data Q22007 - Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM data 2007 - Q12013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM data 2007 -2012new.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM2 data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter |March 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/CBM data 2007 -2012.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012 <\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/Appendix Final Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1Appendix Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011_appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_App_2010Dec.pdf\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/Appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<div class=\\\"row-fluid\\\"><hr \\/>\\r\\n<h2><strong>Credit Bureau Monitor Archives<\\/strong><\\/h2>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02014 Archive<\\/a><\\/h4>\\r\\n<\\/div>\\r\\n<div class=\\\"row-fluid\\\">\\r\\n<!--<h4><a href=\\\"index.php\\/credit-bureau-monitor-2013-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2013 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2012-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2012 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2011-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2011 Archive<\\/a><\\/h4>_\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\">2010 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2009-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02009 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2008-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02008 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-10-07 08:57:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-10-07 08:55:14\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":68,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"140226\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1293,46,1,'','2022-10-07 09:00:02',915,64360,'1487799a4ed522d0463710f261e1d013a5276859','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><b><br \\/><\\/b><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol style=\\\"font-size: 12.16px; line-height: 15.808px;\\\">\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Second Quarter | June 2015<\\/b><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<b style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/b><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"600\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\">the information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2022.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q2 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2020_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2019 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q12017\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q12017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM Data December 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM Data December 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q32016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q22016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM data Q22007 - Q42014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM data Q22007 - Q32014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second\\u00a0Quarter | June\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/CBM data Q22007 - Q22014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM data Q22007 - Q12014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM data Q22007-Q42013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM data Q22007 - Q32013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM June 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM data Q22007 - Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM data 2007 - Q12013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM data 2007 -2012new.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM2 data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter |March 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/CBM data 2007 -2012.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012 <\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/Appendix Final Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1Appendix Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011_appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_App_2010Dec.pdf\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/Appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<div class=\\\"row-fluid\\\"><hr \\/>\\r\\n<h2><strong>Credit Bureau Monitor Archives<\\/strong><\\/h2>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02014 Archive<\\/a><\\/h4>\\r\\n<\\/div>\\r\\n<div class=\\\"row-fluid\\\">\\r\\n<!--<h4><a href=\\\"index.php\\/credit-bureau-monitor-2013-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2013 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2012-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2012 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2011-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2011 Archive<\\/a><\\/h4>_\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\">2010 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2009-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02009 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2008-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02008 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-10-07 09:00:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-10-07 08:57:13\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":69,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"140231\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1294,21,1,'','2022-10-07 14:57:47',915,4294,'5619229c7a19258063111602c075746c97481fe0','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the National Credit Act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/National Credit Amendment Act 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the National Credit Amendment Act 2019<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/National Credit Amendment Act of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the National Credit Amendment Act of 2014<\\/a><\\/p>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/NEW FEE STRUCTURE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">New Fee Structure<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>\\u00a0<\\/h4>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-10-07 14:57:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-10-07 14:53:43\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"35601\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1307,70,1,'','2022-11-17 14:07:34',915,23323,'51e4bb9ce5f8931298ca2735fbf5093a8c671219','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Stats_September 2022 (002) (2) (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension marginally slows down <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - MSR_May 2022.pdf\\\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-11-17 14:07:34\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-11-17 14:04:38\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":80,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"20915\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1308,132,1,'','2022-11-17 14:15:42',915,6043,'c6533cb86c4ca2b82c579957d24b55c097a8fae7','{\"id\":132,\"asset_id\":289,\"title\":\"Don\\u2019t let Black Friday lead to a Blacklisting! \",\"alias\":\"don-t-let-black-friday-lead-to-a-blacklisting\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2022<\\/strong><\\/p>\\r\\n<p>While South African household incomes are tightly squeezed by high interest rates and the ever rising cost of living, many consumers are still looking forward to bag a bargain with Black Friday sales and discounts. Since 2019, Black Friday has become staggeringly popular in South Africa with retailers slashing prices items instore as well as online. However, it is very important for consumers to avoid the hype generated around Black Friday and it does not necessarily mean that every item on sale is a Black Friday bargain.<\\/p>\\r\\n<p>Education and Communication Manager at the National Credit Regulator (NCR), Ms Poppy Kweyama said, \\u201cAlthough it may make sense to take advantage of Black Friday sales and discounts to save money, beware that unplanned purchases driven by excitement, impulse buying and the fear of missing on bargains sometimes make it much more tempting to buy on credit when you haven\\u2019t budgeted and don\\u2019t have cash. Irresponsible use of credit is not only expensive, but risky as well. If one takes into account the interest and fees on the credit \\u2013 it makes the purchase more expensive, so you are not actually saving any money. Taking credit unnecessarily also becomes risky when you are unable to pay back the debt and default on the credit agreement. Don\\u2019t let Black Friday lead to a blacklisting.\\u201d<\\/p>\\r\\n<p>Ms Kweyama added, \\u201cBuying on credit may be a convenient way of accessing goods and services that you want right now, but sometimes it is worth waiting until your personal finances improve and you can save towards the purchase. Black Friday does not mean you must buy. Some items will be available on sale and discounts at other times or during or after the festive season.\\u201d\\u00a0<\\/p>\\r\\n<p>In addition, she also gave practical tips on how to avoid being a victim of the Black Friday hype:<\\/p>\\r\\n<ul>\\r\\n<li>Do your research: Once you know exactly what you want to buy, compare different stores to get the best deals. It may sound tedious but can save you money;<\\/li>\\r\\n<li>Create a budget and stick to it: Budgeting always helps to control your spending;<\\/li>\\r\\n<li>Avoid impulsive buying: List all items you intend to buy. Do not buy something that you don\\u2019t need;<\\/li>\\r\\n<li>Beware of costs and risks associated with online shopping: Normally, online shopping needs credit\\/debit card details which may not only carry additional costs but may expose you to the risk of cybercrime;<\\/li>\\r\\n<li>Do not spend more than you can afford: Irresponsible use of credit may lead to excessive debt and blacklisting at the credit bureaus which will damage your credit profile.<\\/li>\\r\\n<li>If you are prone to impulse buying or are ill-disciplined stay at home! Do not go to shopping malls and stay offline.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u201cAvoid succumbing to Black Friday hype. Spend Wisely if you have budgeted. Borrow Wisely if you need a big ticket item or have to make an emergency purchase that is nicely discounted. Whatever you do Be Credit Smart.\\u201d concludes Ms Kweyama.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p>Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p>Or<\\/p>\\r\\n<p>Didi Sebothoma<\\/p>\\r\\n<p>064\\u00a0752 3910<\\/p>\\r\\n<p>E-mail: Didi Sebothoma:<\\/p>\\r\\n<p>Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-11-17 14:15:42\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-11-17 14:15:42\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-11-17 14:15:42\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1309,132,1,'','2022-11-17 14:21:37',915,6181,'bc9d1a4b4c4ca6d231b5947c7f6e8c3c2f0d5019','{\"id\":132,\"asset_id\":\"289\",\"title\":\"Don\\u2019t let Black Friday lead to a Blacklisting! \",\"alias\":\"don-t-let-black-friday-lead-to-a-blacklisting\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2022<\\/strong><\\/p>\\r\\n<p>While South African household incomes are tightly squeezed by high interest rates and the ever rising cost of living, many consumers are still looking forward to bag a bargain with Black Friday sales and discounts. Since 2019, Black Friday has become staggeringly popular in South Africa with retailers slashing prices items instore as well as online. However, it is very important for consumers to avoid the hype generated around Black Friday and it does not necessarily mean that every item on sale is a Black Friday bargain.<\\/p>\\r\\n<p>Education and Communication Manager at the National Credit Regulator (NCR), Ms Poppy Kweyama said, \\u201cAlthough it may make sense to take advantage of Black Friday sales and discounts to save money, beware that unplanned purchases driven by excitement, impulse buying and the fear of missing on bargains sometimes make it much more tempting to buy on credit when you haven\\u2019t budgeted and don\\u2019t have cash. Irresponsible use of credit is not only expensive, but risky as well. If one takes into account the interest and fees on the credit \\u2013 it makes the purchase more expensive, so you are not actually saving any money. Taking credit unnecessarily also becomes risky when you are unable to pay back the debt and default on the credit agreement. Don\\u2019t let Black Friday lead to a blacklisting.\\u201d<\\/p>\\r\\n<p>Ms Kweyama added, \\u201cBuying on credit may be a convenient way of accessing goods and services that you want right now, but sometimes it is worth waiting until your personal finances improve and you can save towards the purchase. Black Friday does not mean you must buy. Some items will be available on sale and discounts at other times or during or after the festive season.\\u201d\\u00a0<\\/p>\\r\\n<p>In addition, she also gave practical tips on how to avoid being a victim of the Black Friday hype:<\\/p>\\r\\n<ul>\\r\\n<li>Do your research: Once you know exactly what you want to buy, compare different stores to get the best deals. It may sound tedious but can save you money;<\\/li>\\r\\n<li>Create a budget and stick to it: Budgeting always helps to control your spending;<\\/li>\\r\\n<li>Avoid impulsive buying: List all items you intend to buy. Do not buy something that you don\\u2019t need;<\\/li>\\r\\n<li>Beware of costs and risks associated with online shopping: Normally, online shopping needs credit\\/debit card details which may not only carry additional costs but may expose you to the risk of cybercrime;<\\/li>\\r\\n<li>Do not spend more than you can afford: Irresponsible use of credit may lead to excessive debt and blacklisting at the credit bureaus which will damage your credit profile.<\\/li>\\r\\n<li>If you are prone to impulse buying or are ill-disciplined stay at home! Do not go to shopping malls and stay offline.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u201cAvoid succumbing to Black Friday hype. Spend Wisely if you have budgeted. Borrow Wisely if you need a big ticket item or have to make an emergency purchase that is nicely discounted. Whatever you do Be Credit Smart.\\u201d concludes Ms Kweyama.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<\\/p>\\r\\n<p align=\\\"center\\\">Didi Sebothoma<\\/p>\\r\\n<p align=\\\"center\\\">064\\u00a0752 3910<\\/p>\\r\\n<p align=\\\"center\\\">E-mail: Didi Sebothoma:<\\/p>\\r\\n<p align=\\\"center\\\">Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-11-17 14:15:42\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-11-17 14:21:37\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-11-17 14:21:26\",\"publish_up\":\"2022-11-17 14:15:42\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1311,28,1,'','2022-11-24 14:19:32',915,3485,'a59fac5b378e98afc66214d76a3473253fd6dccf','{\"id\":28,\"asset_id\":\"132\",\"title\":\"Promotion of Access to Information Act\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/NCR UPDATED PAIA MANUAL 2022.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA - Form A Request Form.pdf\\\">Click here to download Request Form<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA Internal Appeal Form 4.pdf\\\">Click here to download the PAIA Internal Appeal Form <\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<!--<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"30\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-11-24 14:19:32\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-11-24 14:16:14\",\"publish_up\":\"2019-04-02 12:41:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"16516\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0);
INSERT INTO `zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (1319,70,1,'','2022-12-13 16:03:05',915,23579,'a634917ee5b3e3ca742d5a7c8b2cea0525c3f7c7','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Spend wisely during festive season December 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely during festive season <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Stats_September 2022 (002) (2) (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension marginally slows down <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - MSR_May 2022.pdf\\\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-12-13 16:03:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-12-13 15:59:00\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":82,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"21946\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1320,133,1,'','2022-12-13 16:08:27',915,7191,'a88607538795e6a37b3d10d2cf58c9ce6e511594','{\"id\":133,\"asset_id\":290,\"title\":\"Spend wisely during festive season\",\"alias\":\"spend-wisely-during-festive-season\",\"introtext\":\"<p align=\\\"right\\\"><strong>December 2020<\\/strong><\\/p>\\r\\n<p>\\u201cThere is no doubt that consumers spend a lot more during festive season than they would normally during the year, on gifts, food, entertainment, travel, events, spoiling loved one\\u2019s etc. While the festive season comes every year and consumers have ample time to plan well in advance, it is unfortunate that many consumers do not plan properly and in the end succumb to the temptation of overspending, using credit cards, bank overdrafts or taking loans to fund festive spending,\\u201d said Ms Poppy Kweyama, Manager of Education and Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u201cWith ever increasing cost of living including increased interest rates, consumers need to be financially savvy and, make tough but necessary decisions to scale down on festive spending this year. Sometimes it is worth waiting rather than impulsively using credit to buy non-essential items which would only bring misery. In making festive purchases, consumers should always distinguish between the needs and wants. Otherwise, it means you will begin the New Year with more debts than you intended and ended up being saddled with regrets. Make the most of your money,\\u201d she advises.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>On the flip side, If you happen to be one of the lucky ones receiving year-end bonuses and\\/or 13<sup>th<\\/sup> cheques, spend it wisely. Always remember the golden rule, pay off your debt first!,\\u201d urges Ms Kweyama. \\u201cAlthough it is a bit difficult to define how consumers should spend their year-end bonuses and 13<sup>th<\\/sup> cheques, if used wisely, it could be just the ticket to start your new year debt free and on the path to a soft life. Even if you don\\u2019t earn the big bucks or receive bonuses, be credit smart and prioritise paying your debt so that you can reduce your debt and start saving more. Ideally, start paying off the debt with higher interest rates like credit cards, personal loans etc. By so doing, you\\u2019re freeing up cash to acquire other valuable assets or build up an egg nest, and if you are lucky enough to be debt free - consider saving or investing your money\\u201d, adds Kweyama.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>However, If you decide to make purchases using credit, read and understand the full cost of credit including the terms and conditions of the credit agreement. When applying for credit on social media platforms, beware of sophisticated scammers posing as legitimate credit providers demanding and putting pressure on consumers to make immediate payment of an upfront fee before releasing the \\u201cmoney\\u201d you are borrowing. Never, ever pay any upfront fees no matter what!<\\/p>\\r\\n<p><strong>Here are practical tips on how to minimize spending during festive season: <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Plan and save for festive season ahead of time;<\\/li>\\r\\n<li>Pay off existing debt first;<\\/li>\\r\\n<li>Don\\u2019t spend money on a \\u201csoft\\u201d lavish lifestyle to impress others;<\\/li>\\r\\n<li>Do not replace presence with presents;<\\/li>\\r\\n<li>Create a festive season budget which is aligned to available funds and stick to it;<\\/li>\\r\\n<li>Compare prices between different retail stores;<\\/li>\\r\\n<li>Don\\u2019t use credit for consumables like food, alcohol and airtime;<\\/li>\\r\\n<li>Beware of scams if you decide to shop online;<\\/li>\\r\\n<li>Save money for January expenses; and<\\/li>\\r\\n<li>Live within your means during festive season.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Those struggling to keep up with monthly repayment of bills should avoid taking more credit just for few a weeks during festive season. The reality is that festive season is the most wonderful leisure time of the year to relax and unwind with families, beloved ones and friends, but there is still life after festive season. Do not let soft life during festive season lead you to a blacklisting in 2023, concludes Kweyama.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p style=\\\"text-align: center;\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Or<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Didi Sebothoma<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">064\\u00a0752 3910<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Website: <a href=\\\"https:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-12-13 16:08:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-12-13 16:08:27\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-12-13 16:08:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1321,133,1,'','2022-12-13 16:09:21',915,7102,'dfed13297662c62b31e8b4ed25afb58fa1b41098','{\"id\":133,\"asset_id\":\"290\",\"title\":\"Spend wisely during festive season\",\"alias\":\"spend-wisely-during-festive-season\",\"introtext\":\"<p align=\\\"right\\\"><strong>December 2020<\\/strong><\\/p>\\r\\n<p>\\u201cThere is no doubt that consumers spend a lot more during festive season than they would normally during the year, on gifts, food, entertainment, travel, events, spoiling loved one\\u2019s etc. While the festive season comes every year and consumers have ample time to plan well in advance, it is unfortunate that many consumers do not plan properly and in the end succumb to the temptation of overspending, using credit cards, bank overdrafts or taking loans to fund festive spending,\\u201d said Ms Poppy Kweyama, Manager of Education and Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>\\u00a0\\u201cWith ever increasing cost of living including increased interest rates, consumers need to be financially savvy and, make tough but necessary decisions to scale down on festive spending this year. Sometimes it is worth waiting rather than impulsively using credit to buy non-essential items which would only bring misery. In making festive purchases, consumers should always distinguish between the needs and wants. Otherwise, it means you will begin the New Year with more debts than you intended and ended up being saddled with regrets. Make the most of your money,\\u201d she advises.<\\/p>\\r\\n<p>\\u00a0On the flip side, If you happen to be one of the lucky ones receiving year-end bonuses and\\/or 13<sup>th<\\/sup> cheques, spend it wisely. Always remember the golden rule, pay off your debt first!,\\u201d urges Ms Kweyama. \\u201cAlthough it is a bit difficult to define how consumers should spend their year-end bonuses and 13<sup>th<\\/sup> cheques, if used wisely, it could be just the ticket to start your new year debt free and on the path to a soft life. Even if you don\\u2019t earn the big bucks or receive bonuses, be credit smart and prioritise paying your debt so that you can reduce your debt and start saving more. Ideally, start paying off the debt with higher interest rates like credit cards, personal loans etc. By so doing, you\\u2019re freeing up cash to acquire other valuable assets or build up an egg nest, and if you are lucky enough to be debt free - consider saving or investing your money\\u201d, adds Kweyama.<\\/p>\\r\\n<p>\\u00a0However, If you decide to make purchases using credit, read and understand the full cost of credit including the terms and conditions of the credit agreement. When applying for credit on social media platforms, beware of sophisticated scammers posing as legitimate credit providers demanding and putting pressure on consumers to make immediate payment of an upfront fee before releasing the \\u201cmoney\\u201d you are borrowing. Never, ever pay any upfront fees no matter what!<\\/p>\\r\\n<p><strong>Here are practical tips on how to minimize spending during festive season: <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Plan and save for festive season ahead of time;<\\/li>\\r\\n<li>Pay off existing debt first;<\\/li>\\r\\n<li>Don\\u2019t spend money on a \\u201csoft\\u201d lavish lifestyle to impress others;<\\/li>\\r\\n<li>Do not replace presence with presents;<\\/li>\\r\\n<li>Create a festive season budget which is aligned to available funds and stick to it;<\\/li>\\r\\n<li>Compare prices between different retail stores;<\\/li>\\r\\n<li>Don\\u2019t use credit for consumables like food, alcohol and airtime;<\\/li>\\r\\n<li>Beware of scams if you decide to shop online;<\\/li>\\r\\n<li>Save money for January expenses; and<\\/li>\\r\\n<li>Live within your means during festive season.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0Those struggling to keep up with monthly repayment of bills should avoid taking more credit just for few a weeks during festive season. The reality is that festive season is the most wonderful leisure time of the year to relax and unwind with families, beloved ones and friends, but there is still life after festive season. Do not let soft life during festive season lead you to a blacklisting in 2023, concludes Kweyama.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p style=\\\"text-align: center;\\\"><strong>For more information contact:<\\/strong>\\u00a0<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Or<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Didi Sebothoma<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">064\\u00a0752 3910<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Website: <a href=\\\"https:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-12-13 16:08:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-12-13 16:09:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-12-13 16:08:27\",\"publish_up\":\"2022-12-13 16:08:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1332,46,1,'','2023-01-11 14:42:22',915,65407,'7e1a1f7672fc1863da6b8176bd75227eb7d98da8','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><b><br \\/><\\/b><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol style=\\\"font-size: 12.16px; line-height: 15.808px;\\\">\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Second Quarter | June 2015<\\/b><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<b style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/b><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"600\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\">the information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\">the information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2022.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q2 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2020_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2019 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q12017\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q12017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM Data December 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM Data December 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q32016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q22016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM data Q22007 - Q42014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM data Q22007 - Q32014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second\\u00a0Quarter | June\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/CBM data Q22007 - Q22014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM data Q22007 - Q12014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM data Q22007-Q42013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM data Q22007 - Q32013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM June 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM data Q22007 - Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM data 2007 - Q12013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM data 2007 -2012new.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM2 data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter |March 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/CBM data 2007 -2012.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012 <\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/Appendix Final Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1Appendix Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011_appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_App_2010Dec.pdf\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/Appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<div class=\\\"row-fluid\\\"><hr \\/>\\r\\n<h2><strong>Credit Bureau Monitor Archives<\\/strong><\\/h2>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02014 Archive<\\/a><\\/h4>\\r\\n<\\/div>\\r\\n<div class=\\\"row-fluid\\\">\\r\\n<!--<h4><a href=\\\"index.php\\/credit-bureau-monitor-2013-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2013 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2012-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2012 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2011-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2011 Archive<\\/a><\\/h4>_\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\">2010 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2009-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02009 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2008-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02008 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-11 14:42:22\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-01-11 14:37:11\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":70,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"168112\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1333,46,1,'','2023-01-11 14:43:33',915,65417,'d475646fa93d163f6733a1726b8431234e0fc63d','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><b><br \\/><\\/b><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol style=\\\"font-size: 12.16px; line-height: 15.808px;\\\">\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Second Quarter | June 2015<\\/b><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<b style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/b><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"600\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2018 to September 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2022.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q2 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2020_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2019 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q12017\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q12017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM Data December 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM Data December 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q32016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q22016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM data Q22007 - Q42014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM data Q22007 - Q32014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second\\u00a0Quarter | June\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/CBM data Q22007 - Q22014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM data Q22007 - Q12014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM data Q22007-Q42013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM data Q22007 - Q32013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM June 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM data Q22007 - Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM data 2007 - Q12013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM data 2007 -2012new.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM2 data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter |March 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/CBM data 2007 -2012.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012 <\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/Appendix Final Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1Appendix Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011_appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_App_2010Dec.pdf\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/Appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<div class=\\\"row-fluid\\\"><hr \\/>\\r\\n<h2><strong>Credit Bureau Monitor Archives<\\/strong><\\/h2>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02014 Archive<\\/a><\\/h4>\\r\\n<\\/div>\\r\\n<div class=\\\"row-fluid\\\">\\r\\n<!--<h4><a href=\\\"index.php\\/credit-bureau-monitor-2013-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2013 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2012-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2012 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2011-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2011 Archive<\\/a><\\/h4>_\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\">2010 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2009-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02009 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2008-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02008 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-11 14:43:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-01-11 14:42:22\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":71,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"168113\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1334,48,1,'','2023-01-11 15:05:09',915,33903,'97a1828988a89a7309add23fc4b8b4559bcbe2da','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2021Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q3_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2019Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2018Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2018Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2017Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2017Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2017Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2017Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007-Q4 to 2016-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q3\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2016-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q4 December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2015-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3 2015 - V2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q2 to 2015-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR Q2 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR_Q32015 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q42014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li>\\u00a0<a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q22014 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.<\\/a><\\/li>\\r\\n<li style=\\\"margin-bottom: 5px;\\\"><a href=\\\"publications\\/Consumer%20Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2014-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/CCMR Q12014 draft1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\\\">Web-Dataset 2007 - Q4 to 2014 - Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2013 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Report\\/ccmr_3rdQ2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a>.<\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccmr_3rdQ2013\\/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006.\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CBM%20data%20Q22007%20-%20Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset CBM data 2007-Q4 to 2012-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/CCMR%20Q32012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African \\u00a0consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/Web-Dataset%202007-Q4%20to%202012-Q3.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2012-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-11 15:05:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-01-11 14:50:49\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":57,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"229195\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1335,46,1,'','2023-01-11 15:07:11',915,65417,'cae25c76cb01fee864f295da155e77fe8e3297b8','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><b><br \\/><\\/b><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol style=\\\"font-size: 12.16px; line-height: 15.808px;\\\">\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Second Quarter | June 2015<\\/b><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<b style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/b><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"600\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2018 to September 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2022.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q2 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2020_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2019 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q12017\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q12017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM Data December 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM Data December 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q32016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q22016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM data Q22007 - Q42014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM data Q22007 - Q32014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second\\u00a0Quarter | June\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/CBM data Q22007 - Q22014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM data Q22007 - Q12014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM data Q22007-Q42013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM data Q22007 - Q32013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM June 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM data Q22007 - Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM data 2007 - Q12013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM data 2007 -2012new.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM2 data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter |March 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/CBM data 2007 -2012.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012 <\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/Appendix Final Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1Appendix Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011_appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_App_2010Dec.pdf\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/Appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<div class=\\\"row-fluid\\\"><hr \\/>\\r\\n<h2><strong>Credit Bureau Monitor Archives<\\/strong><\\/h2>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02014 Archive<\\/a><\\/h4>\\r\\n<\\/div>\\r\\n<div class=\\\"row-fluid\\\">\\r\\n<!--<h4><a href=\\\"index.php\\/credit-bureau-monitor-2013-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2013 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2012-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2012 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2011-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2011 Archive<\\/a><\\/h4>_\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\">2010 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2009-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02009 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2008-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02008 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-11 15:07:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-01-11 15:06:00\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":73,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"168120\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1336,70,1,'','2023-01-19 06:41:39',915,23827,'4c63ca6cd0c636706b32f2fbdfefa985a3090f97','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2023<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Borrow Wisely 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Borrow Wisely. T\\u2019s and C\\u2019s apply! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Spend wisely during festive season December 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely during festive season <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Stats_September 2022 (002) (2) (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension marginally slows down <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - MSR_May 2022.pdf\\\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-19 06:41:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-01-19 06:38:55\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":84,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"23230\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1337,135,1,'','2023-01-19 06:48:16',915,7009,'5aafb18a1f746e32c62c731a2e3fb01bd8fe1cbf','{\"id\":135,\"asset_id\":293,\"title\":\"Borrow Wisely. T\\u2019s and C\\u2019s apply!\",\"alias\":\"borrow-wisely-t-s-and-c-s-apply\",\"introtext\":\"<p align=\\\"right\\\"><strong>January 2023<\\/strong><\\/p>\\r\\n<p>\\u201cExcessive spending during festive season, places pressure on household disposable income, making the new year not so prosperous. The sad reality is that not everyone is beginning the new season debt free. Some are already in a state of financial distress after acquiring more debt pre- or\\/during the festive season. For them to meet basic necessities they had to borrow money to stay afloat. And if indeed borrowing is the only solution suitable to your personal circumstances, borrow wisely and responsibly!\\u201d said Ms Kweyama, Manager: Education and Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>Ms Kweyama added that borrowing wisely and responsibly mean consumers should ensure that they only borrow what they need and can afford to pay back in full, and within the stipulated timeframe. Although the National Credit Act (NCA) dictates that credit providers must conduct an affordability assessment to determine if a consumer qualifies for credit, a responsible and honest consumer must fully and truthfully disclose information on all his\\/ her financial obligations, in particular income and expenditure to enable the credit provider to conduct accurate affordability assessment.<\\/p>\\r\\n<p>She warned, \\u201cUnfortunately in many instances when consumers realise that when they honestly disclose their expenses, they would not be eligible for credit, they tend to understate their expenditure and overstate their income in order to qualify. As a result, they<\\/p>\\r\\n<p>find themselves in huge amounts of debt \\u2013 which they are unlikely to repay at all or repay on time\\u201d.<\\/p>\\r\\n<p>Another popular method of accessing short term credit quickly is pawning valuable items like furniture, jewellery, vehicles, etc. in exchange for cash. The pawnbrokers hold assets as security and in most cases, consumers are given a short-term to repay the loan in full. However, should one default on the repayment, pawnbrokers can sell their assets to recoup the money loaned to them. Before signing on the dotted line, ensure that you understand the terms and conditions of a pawn transaction, because very often the interest rates charged are quite high and most pawnbrokers do not disclose fees like storage, insurance, etc. upfront.<\\/p>\\r\\n<p>Desperation also compels some consumers to seek credit from loan sharks or \\u201cmashonisa\\u201d- despite many warnings about their unlawful practices. Most \\u201cmashonisas\\u201d, like some pawnbrokers, are not registered with the NCR. Their modus operandi include retaining consumers\\u2019 bank cards, pin codes and identity cards to collect on the loans. Remember, it is illegal for a \\u201cmashonisa\\u201d or pawnbroker to retain your personal documents. Report this to the South African Police Services and the NCR.<\\/p>\\r\\n<p>Important considerations before applying for credit:<\\/p>\\r\\n<ul>\\r\\n<li>Take an amount of credit that you need and you can afford to repay;<\\/li>\\r\\n<li>If you can, pay cash rather than take credit;<\\/li>\\r\\n<li>Borrow only from registered credit providers;<\\/li>\\r\\n<li>Understand the terms and conditions of a credit agreement;<\\/li>\\r\\n<li>Never leave your bank\\/SASSA card, pin code, identity document with a credit provider; and<\\/li>\\r\\n<li>If you need a loan, do not pay any upfront<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u201cBorrowing and pawning are expensive and consumers should be careful not to take more than they can afford to pay back as this can often lead to serious financial woes. \\u201cAlways<\\/p>\\r\\n<p>keep in mind that when interest rates are increased by the South African Reserve Bank , this is passed on to consumers by credit providers and increases your monthly instalments\\u201d concludes Kweyama.<\\/p>\\r\\n<p style=\\\"text-align: center;\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About<\\/strong> <strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Or<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Winnie Rabathata 064 752 392 or Didi Sebothoma 0647523910<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a> or <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2023-01-19 06:48:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-19 06:48:16\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2023-01-19 06:48:16\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1340,71,1,'','2023-01-27 11:55:55',915,13684,'ba3d9e976e45165f267e8659b7b5ef85d2e9e380','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" cellspacing=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Debt Counselling<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-1.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-2.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-3.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-4.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-02.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-03.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-04.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Debt Counselling Campaign\\u00a0<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb010.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb011.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb012.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb013.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>Youth Month<br \\/> Campaign<\\/td>\\r\\n<td>Debt Counselling<br \\/> Campaign<\\/td>\\r\\n<td>Spend Wisely<br \\/> Campaign<\\/td>\\r\\n<td>World Cup<br \\/> Campaign<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Youth Month Camp\\/youth_camp_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - Aug2009\\/debt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Spend Wisely Camp\\/Tighten_your_belt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/World Cup Camp - june2010\\/world_cup_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"2\\\">\\r\\n<h5>Women\'s Month Campaign | August<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_07_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_08_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Savings Month Campaign\\u00a0- Starting saving today Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/SASI\\/sasi_thumb_04.jpg\\\" alt=\\\"\\\" width=\\\"240\\\" height=\\\"63\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Rights<\\/h5>\\r\\n<img src=\\\"images\\/website banner consumer rights.jpg\\\" width=\\\"70%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"images\\/NCR TV Ad final.mp4\\\">click here to hear the Radio advert<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<table>\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li type=\\\"\\\"><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - English (35sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Ndebele (46sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Sepedi (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - South Sotho (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Setswana (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Siswati (50sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Siswati<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Venda (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xhosa (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Zulu (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Money Smart Week South Africa.<\\/h5>\\r\\n<img src=\\\"images\\/facebook cover.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_1.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_4.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Be Credit Smart<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard3.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard2.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_be_credit_smart.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard_know_your_rights.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_hard_times.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR1-960x300.png\\\" \\/> <br \\/><img src=\\\"images\\/campaign images\\/NCR2-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR3-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR4-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR5-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Orange300x250.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Orange300x250_1.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/NCR2.gif\\\" \\/><\\/p>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/Orange728x90.gif\\\" height=\\\"51\\\" \\/><\\/p>--><hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/2010_01_tips_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_03_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_04_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_02_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"4\\\">\\r\\n<h5>Consumer Month Campaign - 5 Tips | February<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-1_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-2_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-3_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-4_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-27 11:55:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-01-27 11:55:06\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":101,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12649\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1341,71,1,'','2023-01-27 11:56:58',915,13653,'d323d2e072c3ddf810000c9dfbf620356ed1ce8e','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" cellspacing=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Debt Counselling<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-1.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-2.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-3.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-4.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-02.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-03.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-04.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Debt Counselling Campaign\\u00a0<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb010.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb011.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb012.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb013.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>Youth Month<br \\/> Campaign<\\/td>\\r\\n<td>Debt Counselling<br \\/> Campaign<\\/td>\\r\\n<td>Spend Wisely<br \\/> Campaign<\\/td>\\r\\n<td>World Cup<br \\/> Campaign<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Youth Month Camp\\/youth_camp_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - Aug2009\\/debt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Spend Wisely Camp\\/Tighten_your_belt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/World Cup Camp - june2010\\/world_cup_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"2\\\">\\r\\n<h5>Women\'s Month Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_07_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_08_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Savings Month Campaign\\u00a0- Starting saving today Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/SASI\\/sasi_thumb_04.jpg\\\" alt=\\\"\\\" width=\\\"240\\\" height=\\\"63\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Rights<\\/h5>\\r\\n<img src=\\\"images\\/website banner consumer rights.jpg\\\" width=\\\"70%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"images\\/NCR TV Ad final.mp4\\\">click here to hear the Radio advert<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<table>\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li type=\\\"\\\"><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - English (35sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Ndebele (46sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Sepedi (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - South Sotho (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Setswana (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Siswati (50sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Siswati<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Venda (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xhosa (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Zulu (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Money Smart Week South Africa.<\\/h5>\\r\\n<img src=\\\"images\\/facebook cover.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_1.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_4.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Be Credit Smart<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard3.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard2.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_be_credit_smart.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard_know_your_rights.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_hard_times.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR1-960x300.png\\\" \\/> <br \\/><img src=\\\"images\\/campaign images\\/NCR2-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR3-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR4-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR5-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Orange300x250.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Orange300x250_1.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/NCR2.gif\\\" \\/><\\/p>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/Orange728x90.gif\\\" height=\\\"51\\\" \\/><\\/p>--><hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Month Campaign - 4 Tips<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/2010_01_tips_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_03_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_04_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_02_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"4\\\">\\r\\n<h5>Consumer Month Campaign - 4 Tips<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-1_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-2_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-3_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-4_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-01-27 11:56:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-01-27 11:55:55\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":102,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12650\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1344,39,1,'','2023-02-06 08:38:34',915,1942,'d8c4bdfc7d9dcc13a326591dc41e7b2a2716b1f3','{\"id\":39,\"asset_id\":\"146\",\"title\":\"NCR BBBEE Certificate\",\"alias\":\"ncr-bbbee-certificate\",\"introtext\":\"<p><a href=\\\"documents\\/Certificate - National Credit Regulator (NCR) BE12429-R1-190123.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2019-04-11 09:28:11\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-02-06 08:38:34\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-02-06 08:36:45\",\"publish_up\":\"2019-04-11 09:28:11\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"13126\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1345,71,1,'','2023-02-06 15:31:35',915,13624,'b3bd379c257df7dd46680c84a14035245a30d424','{\"id\":71,\"asset_id\":\"201\",\"title\":\"Campaigns\",\"alias\":\"campaigns\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" cellspacing=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Debt Counselling<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-1.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/Social-Media-Post-2.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-3.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/NCR Social-Media-Post-4.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table width=\\\"100%\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-02.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-03.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/NCR-Social-04.jpg\\\" alt=\\\"\\\" width=\\\"200\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Debt Counselling Campaign\\u00a0<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb010.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb011.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb012.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/>\\u00a0<\\/td>\\r\\n<td>\\u00a0<img src=\\\"images\\/campaign images\\/Debt Counselling Camp - sep2010\\/thumb013.jpg\\\" alt=\\\"\\\" width=\\\"110\\\" height=\\\"143\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>Youth Month<br \\/> Campaign<\\/td>\\r\\n<td>Debt Counselling<br \\/> Campaign<\\/td>\\r\\n<td>Spend Wisely<br \\/> Campaign<\\/td>\\r\\n<td>World Cup<br \\/> Campaign<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Youth Month Camp\\/youth_camp_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Debt Counselling Camp - Aug2009\\/debt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Spend Wisely Camp\\/Tighten_your_belt_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/World Cup Camp - june2010\\/world_cup_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"2\\\">\\r\\n<h5>Women\'s Month Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_07_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Women\'s Month Camp\\/5_tips2010_08_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Savings Month Campaign\\u00a0- Starting saving today Campaign<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><img src=\\\"images\\/campaign images\\/SASI\\/sasi_thumb_04.jpg\\\" alt=\\\"\\\" width=\\\"240\\\" height=\\\"63\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Rights<\\/h5>\\r\\n<img src=\\\"images\\/website banner consumer rights.jpg\\\" width=\\\"70%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"images\\/NCR TV Ad final.mp4\\\">click here to hear the Radio advert<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<table>\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<ul>\\r\\n<li type=\\\"\\\"><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Afrikaans (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - English (35sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Ndebele (46sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Sepedi (45sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - South Sotho (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Setswana (48sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Siswati (50sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Siswati<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Venda (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xhosa (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Xitsonga (47sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/radio advert\\/NCR Budget Save Radio Advert - Zulu (49sec).wav\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h5>Money Smart Week South Africa.<\\/h5>\\r\\n<img src=\\\"images\\/facebook cover.jpg\\\" width=\\\"100%\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellpadding=\\\"10\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_1.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/EditedbyP15.03 _08 March 2021_4.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/money_smart.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view the video<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<h3>Be Credit Smart<\\/h3>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard3.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard2.png\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_be_credit_smart.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Billboard_know_your_rights.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Billboard_hard_times.jpg\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR1-960x300.png\\\" \\/> <br \\/><img src=\\\"images\\/campaign images\\/NCR2-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR3-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><img src=\\\"images\\/campaign images\\/NCR4-960x300.png\\\" \\/><br \\/> <img src=\\\"images\\/campaign images\\/NCR5-960x300.png\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><img src=\\\"images\\/Orange300x250.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/Orange300x250_1.gif\\\" width=\\\"250\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/NCR2.gif\\\" \\/><\\/p>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/Orange728x90.gif\\\" height=\\\"51\\\" \\/><\\/p>--><hr \\/>\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">\\r\\n<h5>Consumer Month Campaign\\u00a0<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/2010_01_tips_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_03_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_04_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2010\\/5_tips2010_02_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td colspan=\\\"4\\\">\\r\\n<h5>\\u00a0<\\/h5>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-1_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-2_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-3_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/campaign images\\/Consumer Month Camp - feb2009\\/A4-ads-4_thumb.jpg\\\" alt=\\\"\\\" width=\\\"120\\\" height=\\\"157\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-09-04 14:50:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-02-06 15:31:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-02-06 15:30:55\",\"publish_up\":\"2019-09-04 14:50:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":103,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12738\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1359,42,1,'','2023-03-03 13:58:36',915,8419,'ce3b04fbea922c9363468345953a427a5438f1b2','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"500\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>University of pretoria enterprise<\\/td>\\r\\n<td><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td>012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Resonance institute of learning<\\/td>\\r\\n<td><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Business Skills Institute<\\/td>\\r\\n<td><a href=\\\"mailto:info@bsi-institute.co.za\\\">info@bsi-institute.co.za<\\/a><\\/td>\\r\\n<td>Tel: +27 21 111 0580 \\/ Cell number : 082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-03-03 13:58:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-03-03 13:56:17\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":24,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5082\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1360,42,1,'','2023-03-03 13:58:57',915,8419,'d20692e07561e6d315cebccdbe556e420e6eeffe','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"550\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>University of pretoria enterprise<\\/td>\\r\\n<td><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td>012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Resonance institute of learning<\\/td>\\r\\n<td><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Business Skills Institute<\\/td>\\r\\n<td><a href=\\\"mailto:info@bsi-institute.co.za\\\">info@bsi-institute.co.za<\\/a><\\/td>\\r\\n<td>Tel: +27 21 111 0580 \\/ Cell number : 082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-03-03 13:58:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-03-03 13:58:36\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":25,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5082\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1378,25,1,'','2023-04-21 12:20:06',915,28977,'4ae9ea2a6136d6b25d2162c0fd586ae763808812','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CCMR-CBM Press Release March 2023 final.pdf\\\">CCMR-CBM Press Release March 2023 final<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2022-Sale of personal information.pdf\\\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\\\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\" height=\\\"33\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:20:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:08:34\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":58,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"42843\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1379,25,1,'','2023-04-21 12:23:31',915,28751,'47cd7abd6458054ba3fad5ffa8a2ee9510f353a2','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2022-Sale of personal information.pdf\\\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\\\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\" height=\\\"33\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:23:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:21:39\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":59,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"42849\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1380,70,1,'','2023-04-21 12:24:05',915,24053,'f7016036d7824bae95102a5063c72df6d5ca3fe4','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CCMR-CBM Press Release March 2023 final.pdf\\\">CCMR-CBM Press Release March 2023 final<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2023<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Borrow Wisely 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Borrow Wisely. T\\u2019s and C\\u2019s apply! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Spend wisely during festive season December 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely during festive season <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Stats_September 2022 (002) (2) (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension marginally slows down <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - MSR_May 2022.pdf\\\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:24:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:23:54\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":86,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"26761\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1381,48,1,'','2023-04-21 12:28:39',915,34788,'30aeffbfab2eb465164c78c5c7d7c99b623cf312','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2021Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q3_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2019Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2018Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2018Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2017Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2017Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2017Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2017Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007-Q4 to 2016-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q3\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2016-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q4 December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2015-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3 2015 - V2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q2 to 2015-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR Q2 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR_Q32015 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q42014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li>\\u00a0<a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q22014 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.<\\/a><\\/li>\\r\\n<li style=\\\"margin-bottom: 5px;\\\"><a href=\\\"publications\\/Consumer%20Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2014-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/CCMR Q12014 draft1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\\\">Web-Dataset 2007 - Q4 to 2014 - Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2013 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Report\\/ccmr_3rdQ2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a>.<\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccmr_3rdQ2013\\/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006.\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CBM%20data%20Q22007%20-%20Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset CBM data 2007-Q4 to 2012-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/CCMR%20Q32012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African \\u00a0consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/Web-Dataset%202007-Q4%20to%202012-Q3.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2012-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:28:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:25:04\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":59,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"261860\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1382,46,1,'','2023-04-21 12:32:14',915,66477,'1bc4a2a5d1dd0e67f336f76602b14ebee0fe4c92','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><b><br \\/><\\/b><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol style=\\\"font-size: 12.16px; line-height: 15.808px;\\\">\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Second Quarter | June 2015<\\/b><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<b style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/b><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"600\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2022.pdf\\\">The information re\\u001f ected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2018 to December 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2018 to September 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2022.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q2 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2020_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2019 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q12017\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q12017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM Data December 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM Data December 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q32016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q22016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM data Q22007 - Q42014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM data Q22007 - Q32014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second\\u00a0Quarter | June\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/CBM data Q22007 - Q22014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM data Q22007 - Q12014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM data Q22007-Q42013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM data Q22007 - Q32013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM June 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM data Q22007 - Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM data 2007 - Q12013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM data 2007 -2012new.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM2 data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter |March 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/CBM data 2007 -2012.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012 <\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/Appendix Final Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1Appendix Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011_appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_App_2010Dec.pdf\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/Appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<div class=\\\"row-fluid\\\"><hr \\/>\\r\\n<h2><strong>Credit Bureau Monitor Archives<\\/strong><\\/h2>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02014 Archive<\\/a><\\/h4>\\r\\n<\\/div>\\r\\n<div class=\\\"row-fluid\\\">\\r\\n<!--<h4><a href=\\\"index.php\\/credit-bureau-monitor-2013-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2013 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2012-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2012 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2011-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2011 Archive<\\/a><\\/h4>_\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\">2010 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2009-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02009 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2008-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02008 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:32:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:29:59\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":75,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"196460\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1383,46,1,'','2023-04-21 12:32:48',915,66477,'78cd2d72b35cc3e8b30c51204935eaf967a3757e','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><b><br \\/><\\/b><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol style=\\\"font-size: 12.16px; line-height: 15.808px;\\\">\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Second Quarter | June 2015<\\/b><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<b style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/b><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"600\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2022.pdf\\\">The information re\\u001f ected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2018 to December 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2018 to September 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2022.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q2 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2020_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2019 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q12017\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q12017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM Data December 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM Data December 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q32016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q22016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM data Q22007 - Q42014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM data Q22007 - Q32014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second\\u00a0Quarter | June\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/CBM data Q22007 - Q22014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM data Q22007 - Q12014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM data Q22007-Q42013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM data Q22007 - Q32013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM June 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM data Q22007 - Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM data 2007 - Q12013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM data 2007 -2012new.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM2 data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter |March 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/CBM data 2007 -2012.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012 <\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/Appendix Final Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1Appendix Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011_appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_App_2010Dec.pdf\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/Appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<div class=\\\"row-fluid\\\"><hr \\/>\\r\\n<h2><strong>Credit Bureau Monitor Archives<\\/strong><\\/h2>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02014 Archive<\\/a><\\/h4>\\r\\n<\\/div>\\r\\n<div class=\\\"row-fluid\\\">\\r\\n<!--<h4><a href=\\\"index.php\\/credit-bureau-monitor-2013-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2013 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2012-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2012 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2011-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2011 Archive<\\/a><\\/h4>_\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\">2010 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2009-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02009 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2008-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02008 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:32:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:32:14\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":76,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"196461\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1384,46,1,'','2023-04-21 12:34:11',915,66477,'4db06d1db75a7fb32805201901dac390661443f7','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><b><br \\/><\\/b><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol style=\\\"font-size: 12.16px; line-height: 15.808px;\\\">\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Second Quarter | June 2015<\\/b><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<b style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/b><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"600\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2022.pdf\\\">The information re\\u001f ected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2018 to December 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2018 to September 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2022.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q2 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2020_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2019 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q12017\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q12017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM Data December 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM Data December 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q32016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q22016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM data Q22007 - Q42014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM data Q22007 - Q32014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second\\u00a0Quarter | June\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/CBM data Q22007 - Q22014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM data Q22007 - Q12014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM data Q22007-Q42013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM data Q22007 - Q32013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM June 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM data Q22007 - Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM data 2007 - Q12013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM data 2007 -2012new.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM2 data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter |March 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/CBM data 2007 -2012.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012 <\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/Appendix Final Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1Appendix Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011_appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_App_2010Dec.pdf\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/Appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<div class=\\\"row-fluid\\\"><hr \\/>\\r\\n<h2><strong>Credit Bureau Monitor Archives<\\/strong><\\/h2>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02014 Archive<\\/a><\\/h4>\\r\\n<\\/div>\\r\\n<div class=\\\"row-fluid\\\">\\r\\n<!--<h4><a href=\\\"index.php\\/credit-bureau-monitor-2013-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2013 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2012-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2012 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2011-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2011 Archive<\\/a><\\/h4>_\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\">2010 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2009-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02009 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2008-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02008 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-21 12:34:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-21 12:32:48\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":77,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"196462\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1387,25,1,'','2023-04-24 14:54:48',915,28975,'aedc91da4731febe69a1f3e655eef717ff824649','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2023 -NCR Contact Details April 2023 final.pdf\\\">NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2022-Sale of personal information.pdf\\\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\\\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\" height=\\\"33\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-04-24 14:54:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-04-24 14:52:46\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":60,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"43282\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1393,42,1,'','2023-05-09 12:48:33',915,8220,'d098e78aae6f49f019152cbd138b3df754e38f4a','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"550\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>University of pretoria enterprise<\\/td>\\r\\n<td><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td>012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Business Skills Institute<\\/td>\\r\\n<td><a href=\\\"mailto:info@bsi-institute.co.za\\\">info@bsi-institute.co.za<\\/a><\\/td>\\r\\n<td>Tel: +27 21 111 0580 \\/ Cell number : 082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-05-09 12:48:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-05-09 12:47:33\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":26,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5299\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1394,30,1,'','2023-05-09 14:28:49',915,9555,'312456031094f0508598de04aa7b39eb1beb313a','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 648px;\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 516.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 516.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\">\\r\\n<p align=\\\"center\\\"><strong>2013<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Credit-and-Borrowing-in-South-Africa.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\">\\r\\n<p align=\\\"center\\\"><strong>2012<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-RESEARCH-ON-THE-INCREASE-OF.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2011<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2010<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2009<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2008<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT%20Erratum%207%20December%202022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2007<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2003<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-05-09 14:28:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-05-09 14:26:42\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":29,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"22576\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1396,25,1,'','2023-05-18 09:29:19',915,29301,'bf450475dcede8d78d408ad1e00a4fb056c5877b','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 2 of 2023- Proposed Fee Stucture SACRRA 28 April.pdf\\\">Circular 2 of 2023 - Request for comments on the recommended fee stucture for fees payable to sacrra<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2023 -NCR Contact Details April 2023 final.pdf\\\">Circular 1 of 2023 - NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2022-Sale of personal information.pdf\\\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\\\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\" height=\\\"33\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-05-18 09:29:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-05-18 09:21:26\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":62,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"46741\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1400,136,1,'','2023-06-06 15:16:16',915,1744,'3ebb450fcee28c5260e3e7dea9c48c8e36c1e9b8','{\"id\":136,\"asset_id\":294,\"title\":\"article\",\"alias\":\"article\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2023-06-06 15:16:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-06-06 15:16:16\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2023-06-06 15:16:16\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1401,136,1,'','2023-06-06 15:22:43',915,1950,'541caa4a5831d97fb9a0624c791c78dfad13afca','{\"id\":136,\"asset_id\":\"294\",\"title\":\"article\",\"alias\":\"article\",\"introtext\":\"<p><a href=\\\"documents\\/230525%20article%20no%204%20Registration%20of%20Credit%20providers%20rmcp%20pcc53.pdf\\\">Credit providers: register with the financial intelligence centre<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2023-06-06 15:16:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-06-06 15:22:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-06-06 15:21:46\",\"publish_up\":\"2023-06-06 15:16:16\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1402,136,1,'','2023-06-06 15:22:59',915,1950,'e629ef9c1d3498878eeff9d3ff42eb2dc30e9b0e','{\"id\":136,\"asset_id\":\"294\",\"title\":\"Article\",\"alias\":\"article\",\"introtext\":\"<p><a href=\\\"documents\\/230525%20article%20no%204%20Registration%20of%20Credit%20providers%20rmcp%20pcc53.pdf\\\">Credit providers: register with the financial intelligence centre<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2023-06-06 15:16:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-06-06 15:22:59\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-06-06 15:22:43\",\"publish_up\":\"2023-06-06 15:16:16\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1418,25,1,'','2023-06-26 13:59:34',915,29528,'c53064b68462e46fac1114f6640ea6f4316c77d4','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 June 2023 amended.pdf\\\">Circular 3 of 2023 - Annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 2 of 2023- Proposed Fee Stucture SACRRA 28 April.pdf\\\">Circular 2 of 2023 - Request for comments on the recommended fee stucture for fees payable to sacrra<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2023 -NCR Contact Details April 2023 final.pdf\\\">Circular 1 of 2023 - NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2022-Sale of personal information.pdf\\\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\\\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\" height=\\\"33\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-06-26 13:59:34\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-06-26 13:57:24\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":63,\"ordering\":\"7\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"52720\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1429,134,1,'','2023-07-19 15:05:15',915,2591,'9bd27efc9035debfaef2c7a554ef61fcebc508a7','{\"id\":134,\"asset_id\":\"292\",\"title\":\"TechSprint\",\"alias\":\"techsprint\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to downalod the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to downalod the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to downalod the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to downalod the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2022-12-15 14:39:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-07-19 15:05:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-07-19 15:05:08\",\"publish_up\":\"2022-12-15 14:39:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5862\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1430,46,1,'','2023-07-21 11:00:32',915,67521,'bcb87812ed0e379ed81f759de370a6953f5aea9b','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><b><br \\/><\\/b><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol style=\\\"font-size: 12.16px; line-height: 15.808px;\\\">\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Second Quarter | June 2015<\\/b><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<b style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/b><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"600\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2023<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2023.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2019 to March 2023, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2023.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2023<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2022.pdf\\\">The information re\\u001f ected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2018 to December 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2018 to September 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2022.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q2 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2020_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2019 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q12017\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q12017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM Data December 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM Data December 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q32016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q22016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM data Q22007 - Q42014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM data Q22007 - Q32014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second\\u00a0Quarter | June\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/CBM data Q22007 - Q22014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM data Q22007 - Q12014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM data Q22007-Q42013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM data Q22007 - Q32013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM June 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM data Q22007 - Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM data 2007 - Q12013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM data 2007 -2012new.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM2 data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter |March 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/CBM data 2007 -2012.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012 <\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/Appendix Final Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1Appendix Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011_appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_App_2010Dec.pdf\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/Appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<div class=\\\"row-fluid\\\"><hr \\/>\\r\\n<h2><strong>Credit Bureau Monitor Archives<\\/strong><\\/h2>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02014 Archive<\\/a><\\/h4>\\r\\n<\\/div>\\r\\n<div class=\\\"row-fluid\\\">\\r\\n<!--<h4><a href=\\\"index.php\\/credit-bureau-monitor-2013-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2013 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2012-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2012 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2011-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2011 Archive<\\/a><\\/h4>_\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\">2010 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2009-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02009 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2008-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02008 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-07-21 11:00:32\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-07-21 10:57:41\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":79,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"223206\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1431,48,1,'','2023-07-21 11:03:40',915,35669,'82172197489a73afa46a27a9d4907dd4229d6b2b','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2023<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2023Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2023Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2023Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2021Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q3_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2019Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2018Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2018Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2017Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2017Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2017Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2017Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007-Q4 to 2016-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q3\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2016-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q4 December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2015-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3 2015 - V2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q2 to 2015-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR Q2 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR_Q32015 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q42014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li>\\u00a0<a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q22014 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.<\\/a><\\/li>\\r\\n<li style=\\\"margin-bottom: 5px;\\\"><a href=\\\"publications\\/Consumer%20Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2014-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/CCMR Q12014 draft1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\\\">Web-Dataset 2007 - Q4 to 2014 - Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2013 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Report\\/ccmr_3rdQ2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a>.<\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccmr_3rdQ2013\\/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006.\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CBM%20data%20Q22007%20-%20Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset CBM data 2007-Q4 to 2012-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/CCMR%20Q32012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African \\u00a0consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/Web-Dataset%202007-Q4%20to%202012-Q3.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2012-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-07-21 11:03:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-07-21 11:01:17\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":61,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"293617\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1432,134,1,'','2023-07-21 13:13:55',915,2591,'932279953875fe5234bdfdae658faa90826bc49a','{\"id\":134,\"asset_id\":\"292\",\"title\":\"TechSprint\",\"alias\":\"techsprint\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2022-12-15 14:39:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-07-21 13:13:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-07-21 13:13:36\",\"publish_up\":\"2022-12-15 14:39:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5920\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1433,134,1,'','2023-07-21 15:09:02',915,2741,'962e291bf463a99ff0030cb09f483c4d49a878f7','{\"id\":134,\"asset_id\":\"292\",\"title\":\"TechSprint\",\"alias\":\"techsprint\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/TechSprint Briefing -INVITATION.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing invitation<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2022-12-15 14:39:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-07-21 15:09:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-07-21 15:04:27\",\"publish_up\":\"2022-12-15 14:39:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5925\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1434,134,1,'','2023-07-21 15:12:32',915,2839,'e70d6bb351589e2431203513470cbdba44ab9104','{\"id\":134,\"asset_id\":\"292\",\"title\":\"TechSprint\",\"alias\":\"techsprint\",\"introtext\":\"<p><img src=\\\"images\\/TechSprint -Briefing Header Banner.png\\\" alt=\\\"\\\" width=\\\"350\\\" \\/><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/TechSprint Briefing -INVITATION.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing invitation<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2022-12-15 14:39:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-07-21 15:12:32\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-07-21 15:09:02\",\"publish_up\":\"2022-12-15 14:39:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5927\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1435,134,1,'','2023-07-21 15:12:58',915,2904,'0f886a41cb62cb5b5afa6411f04bbfd2d876591c','{\"id\":134,\"asset_id\":\"292\",\"title\":\"TechSprint\",\"alias\":\"techsprint\",\"introtext\":\"<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/TechSprint -Briefing Header Banner.png\\\" alt=\\\"\\\" width=\\\"500\\\" \\/><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/TechSprint Briefing -INVITATION.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing invitation<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2022-12-15 14:39:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-07-21 15:12:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-07-21 15:12:32\",\"publish_up\":\"2022-12-15 14:39:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5928\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1436,134,1,'','2023-07-21 15:14:17',915,3021,'d3edec9a8940e3b8ad5afdfb97af320788df7bfa','{\"id\":134,\"asset_id\":\"292\",\"title\":\"TechSprint\",\"alias\":\"techsprint\",\"introtext\":\"<p>&lt; a href=\\\"https:\\/\\/us06web.zoom.us\\/meeting\\/register\\/tZEuceuuqzwjGtXkgC6iy6DGX-sZuMgx4Doc#\\/registration\\\"&gt;<img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/TechSprint -Briefing Header Banner.png\\\" alt=\\\"\\\" width=\\\"500\\\" \\/><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/TechSprint Briefing -INVITATION.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing invitation<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2022-12-15 14:39:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-07-21 15:14:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-07-21 15:12:58\",\"publish_up\":\"2022-12-15 14:39:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":13,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5929\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1437,134,1,'','2023-07-21 15:15:06',915,3019,'9df33ee9bb3c234a4732a4f0586f190f13dd81f4','{\"id\":134,\"asset_id\":\"292\",\"title\":\"TechSprint\",\"alias\":\"techsprint\",\"introtext\":\"<p><a href=\\\"https:\\/\\/us06web.zoom.us\\/meeting\\/register\\/tZEuceuuqzwjGtXkgC6iy6DGX-sZuMgx4Doc#\\/registration\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/TechSprint -Briefing Header Banner.png\\\" alt=\\\"\\\" width=\\\"500\\\" \\/><\\/a><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/TechSprint Briefing -INVITATION.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing invitation<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2022-12-15 14:39:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-07-21 15:15:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-07-21 15:14:17\",\"publish_up\":\"2022-12-15 14:39:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":14,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5930\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1439,134,1,'','2023-07-31 13:29:32',915,3404,'c523159e925e696dbf468d46e365ad8d8133be25','{\"id\":134,\"asset_id\":\"292\",\"title\":\"TechSprint\",\"alias\":\"techsprint\",\"introtext\":\"<p><a href=\\\"https:\\/\\/us06web.zoom.us\\/meeting\\/register\\/tZEuceuuqzwjGtXkgC6iy6DGX-sZuMgx4Doc#\\/registration\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/TechSprint -Briefing Header Banner.png\\\" alt=\\\"\\\" width=\\\"500\\\" \\/><\\/a><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/TechSprint Briefing -INVITATION.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing invitation<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the TechSprint Stakeholder Round Table Report.<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR_Onboarding_TechSprint-Stakeholders_Roundtables Report_FINAL.pdf\\\">click here<\\/a> to download the TechSprint Roundtables Report on Findings of industry Roundtable Engagements.<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2022-12-15 14:39:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-07-31 13:29:32\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-07-31 13:21:58\",\"publish_up\":\"2022-12-15 14:39:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6393\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1446,134,1,'','2023-08-14 16:30:06',915,3559,'85f5d9fdfcbc47146d17db0e3c92f4265fccb1c7','{\"id\":134,\"asset_id\":\"292\",\"title\":\"TechSprint\",\"alias\":\"techsprint\",\"introtext\":\"<p><a href=\\\"https:\\/\\/us06web.zoom.us\\/meeting\\/register\\/tZEuceuuqzwjGtXkgC6iy6DGX-sZuMgx4Doc#\\/registration\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/TechSprint -Briefing Header Banner.png\\\" alt=\\\"\\\" width=\\\"500\\\" \\/><\\/a><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Media Release- TechSprint Briefing.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing Media Release<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/TechSprint Briefing -INVITATION.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing invitation<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the TechSprint Stakeholder Round Table Report.<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR_Onboarding_TechSprint-Stakeholders_Roundtables Report_FINAL.pdf\\\">click here<\\/a> to download the TechSprint Roundtables Report on Findings of industry Roundtable Engagements.<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2022-12-15 14:39:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-08-14 16:30:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-08-14 16:27:04\",\"publish_up\":\"2022-12-15 14:39:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"7533\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0);
INSERT INTO `zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (1447,70,1,'','2023-08-14 16:33:18',915,24258,'4cb71d8f475d7322b7bae9d06ccca6bca7155334','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Media Release- TechSprint Briefing.pdf\\\">TechSprint Briefing Media Release<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CCMR-CBM Press Release March 2023 final.pdf\\\">CCMR-CBM Press Release March 2023 final<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2023<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Borrow Wisely 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Borrow Wisely. T\\u2019s and C\\u2019s apply! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Spend wisely during festive season December 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely during festive season <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Stats_September 2022 (002) (2) (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension marginally slows down <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - MSR_May 2022.pdf\\\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-08-14 16:33:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-08-14 16:31:10\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":88,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"31405\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1449,70,1,'','2023-08-21 14:58:44',915,24458,'36d2ee57993cb35c97e247e304502435a9bc59fa','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/investigations in the cape town.pdf\\\">Investigations in the Cape Town<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Media Release- TechSprint Briefing.pdf\\\">TechSprint Briefing Media Release<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CCMR-CBM Press Release March 2023 final.pdf\\\">CCMR-CBM Press Release March 2023 final<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2023<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Borrow Wisely 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Borrow Wisely. T\\u2019s and C\\u2019s apply! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Spend wisely during festive season December 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely during festive season <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Stats_September 2022 (002) (2) (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension marginally slows down <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - MSR_May 2022.pdf\\\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-08-21 14:58:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-08-21 14:57:16\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":89,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"31687\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1450,137,1,'','2023-08-21 15:01:02',915,5029,'8124193616a91c0e3d9406f194e67c3a063882bb','{\"id\":137,\"asset_id\":295,\"title\":\"Investigations in the Cape Town\",\"alias\":\"investigations-in-the-cape-town\",\"introtext\":\"<p align=\\\"right\\\"><strong>August 2023<\\/strong><\\/p>\\r\\n<p>In the past week, the National Credit Regular (\\u201cNCR\\u201d) embarked on investigations against Debt Counsellors in the Cape Town area following the receipt of numerous complaints of non-compliance with the National Credit Act, 34 of 2005 (\\u201cthe Act\\u201d).<\\/p>\\r\\n<p>Following resistance, threats, and non-cooperation by certain registrants and\\/or entities which actions prevented the NCR\\u2019s inspector\\u2019s from conducting onsite investigations, the NCR requested the assistance of the South African Police Services (\\u201cSAPS\\u201d) in certain instances.<\\/p>\\r\\n<p>\\u201cIn the event that the SAPS is involved, the SAPS may find cause to further investigate allegations by consumers claiming to have been placed under debt review without their consent as such conduct amounts to fraud\\u201d says Chief Executive Officer (\\u201cCEO\\u201d) of the NCR, Ms Nomsa Motshegare.<\\/p>\\r\\n<p>The NCR\\u2019s inspectors are duly appointed by the CEO of the NCR in terms of Section 25 of the Act to conduct investigations into alleged contraventions of the Act.<\\/p>\\r\\n<p>Inspectors are to be allowed to enter the premises of registrants or any entity or individual against whom a complaint has been initiated and from where activities are performed and\\/or services rendered at any time during an entity\\u2019s normal business hours to conduct the investigation. Furthermore, apart from being a contravention in terms of the Act and Conditions of registration, it is an offence in terms of Section 160 of the Act to hinder the administration of the Act, which includes, but is not limited to, obstructing Inspectors of the NCR from exercising their powers or performing their duties delegated to them in terms of Section 25 of the Act.\\u00a0<\\/p>\\r\\n<p>Should there be any doubt or hesitance pertaining the identity of the inspectors, registrants may first engage the NCR directly by way of telephone and email. Such verifications will however not result in a postponement of the investigation.<\\/p>\\r\\n<p>Individuals and entities are warned that the NCR will not hesitate to invoke all the necessary actions and powers stipulated within the Act, to enable it to discharge its regulatory mandate.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong> <\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Winnie Rabathata 064\\u00a0752 3923<br \\/> Or<br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2023-08-21 15:01:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-08-21 15:01:02\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2023-08-21 15:01:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1451,137,1,'','2023-08-21 15:12:38',915,5047,'c41a25a63da382d0b1a5c0c977fd2853e0afe64c','{\"id\":137,\"asset_id\":\"295\",\"title\":\"Investigations in the Cape Town\",\"alias\":\"investigations-in-the-cape-town\",\"introtext\":\"<p align=\\\"right\\\"><strong>August 2023<\\/strong><\\/p>\\r\\n<p>In the past week, the National Credit Regular (\\u201cNCR\\u201d) embarked on investigations against Debt Counsellors in the Cape Town area following the receipt of numerous complaints of non-compliance with the National Credit Act, 34 of 2005 (\\u201cthe Act\\u201d).<\\/p>\\r\\n<p>Following resistance, threats, and non-cooperation by certain registrants and\\/or entities which actions prevented the NCR\\u2019s inspector\\u2019s from conducting onsite investigations, the NCR requested the assistance of the South African Police Services (\\u201cSAPS\\u201d) in certain instances.<\\/p>\\r\\n<p>\\u201cIn the event that the SAPS is involved, the SAPS may find cause to further investigate allegations by consumers claiming to have been placed under debt review without their consent as such conduct amounts to fraud\\u201d says Chief Executive Officer (\\u201cCEO\\u201d) of the NCR, Ms Nomsa Motshegare.<\\/p>\\r\\n<p>The NCR\\u2019s inspectors are duly appointed by the CEO of the NCR in terms of Section 25 of the Act to conduct investigations into alleged contraventions of the Act.<\\/p>\\r\\n<p>Inspectors are to be allowed to enter the premises of registrants or any entity or individual against whom a complaint has been initiated and from where activities are performed and\\/or services rendered at any time during an entity\\u2019s normal business hours to conduct the investigation. Furthermore, apart from being a contravention in terms of the Act and Conditions of registration, it is an offence in terms of Section 160 of the Act to hinder the administration of the Act, which includes, but is not limited to, obstructing Inspectors of the NCR from exercising their powers or performing their duties delegated to them in terms of Section 25 of the Act.\\u00a0<\\/p>\\r\\n<p>Should there be any doubt or hesitance pertaining the identity of the inspectors, registrants may first engage the NCR directly by way of telephone and email. Such verifications will however not result in a postponement of the investigation.<\\/p>\\r\\n<p>Individuals and entities are warned that the NCR will not hesitate to invoke all the necessary actions and powers stipulated within the Act, to enable it to discharge its regulatory mandate.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Winnie Rabathata 064\\u00a0752 3923<br \\/> Or<br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2023-08-21 15:01:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-08-21 15:12:38\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-08-21 15:01:02\",\"publish_up\":\"2023-08-21 15:01:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1454,134,1,'','2023-08-29 08:31:41',915,3574,'ad2ec665a57e5cc2e7564d26b30d7b96717d2ee8','{\"id\":134,\"asset_id\":\"292\",\"title\":\"NCR ONBOURDING TECHSPRINT\",\"alias\":\"techsprint\",\"introtext\":\"<p><a href=\\\"https:\\/\\/us06web.zoom.us\\/meeting\\/register\\/tZEuceuuqzwjGtXkgC6iy6DGX-sZuMgx4Doc#\\/registration\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/TechSprint -Briefing Header Banner.png\\\" alt=\\\"\\\" width=\\\"500\\\" \\/><\\/a><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Media Release- TechSprint Briefing.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing Media Release<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/TechSprint Briefing -INVITATION.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing invitation<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the TechSprint Stakeholder Round Table Report.<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR_Onboarding_TechSprint-Stakeholders_Roundtables Report_FINAL.pdf\\\">click here<\\/a> to download the TechSprint Roundtables Report on Findings of industry Roundtable Engagements.<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2022-12-15 14:39:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-08-29 08:31:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-08-29 08:31:36\",\"publish_up\":\"2022-12-15 14:39:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9504\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1455,138,1,'','2023-08-29 09:37:47',915,3537,'65d13c9bf90749c0390e1f8e96f227829b0582ae','{\"id\":138,\"asset_id\":296,\"title\":\"sprint test\",\"alias\":\"sprint-test\",\"introtext\":\"<p><a href=\\\"https:\\/\\/us06web.zoom.us\\/meeting\\/register\\/tZEuceuuqzwjGtXkgC6iy6DGX-sZuMgx4Doc#\\/registration\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/TechSprint -Briefing Header Banner.png\\\" alt=\\\"\\\" width=\\\"500\\\" \\/><\\/a><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Media Release- TechSprint Briefing.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing Media Release<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/TechSprint Briefing -INVITATION.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing invitation<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the TechSprint Stakeholder Round Table Report.<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR_Onboarding_TechSprint-Stakeholders_Roundtables Report_FINAL.pdf\\\">click here<\\/a> to download the TechSprint Roundtables Report on Findings of industry Roundtable Engagements.<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2023-08-29 09:37:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-08-29 09:37:47\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2023-08-29 09:37:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1456,138,1,'','2023-08-29 09:39:20',915,3574,'8a1a69de2538b5c399d2caf19ec63a852b2795bd','{\"id\":138,\"asset_id\":\"296\",\"title\":\"sprint test\",\"alias\":\"sprint-test\",\"introtext\":\"<p><a href=\\\"https:\\/\\/us06web.zoom.us\\/meeting\\/register\\/tZEuceuuqzwjGtXkgC6iy6DGX-sZuMgx4Doc#\\/registration\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/TechSprint -Briefing Header Banner.png\\\" alt=\\\"\\\" width=\\\"500\\\" \\/><\\/a><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Media Release- TechSprint Briefing.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing Media Release<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/TechSprint Briefing -INVITATION.pdf\\\">click here<\\/a> to download <strong>TechSprint Briefing invitation<\\/strong><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the TechSprint Stakeholder Round Table Report.<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR_Onboarding_TechSprint-Stakeholders_Roundtables Report_FINAL.pdf\\\">click here<\\/a> to download the TechSprint Roundtables Report on Findings of industry Roundtable Engagements.<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint - Roundtables Report FORENOTE.pdf\\\">click here<\\/a> to download the techsprint: report on findings of industry roundtable engagements<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Onboarding TechSprint Roundtables_Report_FINAL.pptx.pdf\\\">click here<\\/a> to download the Techsprint: leveraging technological innovation to improve the resilience and compliance of small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S1 Email Invite - Final (002)-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - small credit providers<\\/li>\\r\\n<li><a href=\\\"documents\\/NCR Roundtable S2 Email Invite - Final-signed..pdf\\\">click here<\\/a> to download the Pre-TechSprint Roundtable Discussion - large credit providers<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2023-08-29 09:37:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-08-29 09:39:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-08-29 09:37:47\",\"publish_up\":\"2023-08-29 09:37:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1458,25,1,'','2023-08-30 08:23:05',915,29789,'e0d78848317e6382cbcebb9950c2f384bedeed13','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 August 2023.pdf\\\">Circular 4 of 2023 - Notice to registrants: obstructive behaviour during an investigation<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 June 2023 amended.pdf\\\">Circular 3 of 2023 - Annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 2 of 2023- Proposed Fee Stucture SACRRA 28 April.pdf\\\">Circular 2 of 2023 - Request for comments on the recommended fee stucture for fees payable to sacrra<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2023 -NCR Contact Details April 2023 final.pdf\\\">Circular 1 of 2023 - NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2022-Sale of personal information.pdf\\\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\\\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\" height=\\\"33\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-08-30 08:23:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-08-30 08:20:35\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":65,\"ordering\":\"7\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"59463\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1466,70,1,'','2023-09-14 15:21:32',915,24743,'9669ae73845bed8a56f2af4a70e0a51b12d4fb9c','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Media Release- TechSprint (11 Sept).pdf\\\">National Credit Regulator and IFC announce Tech Competition to Empower Small Credit Providers in South Africa<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/investigations in the cape town.pdf\\\">Investigations in the Cape Town<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Media Release- TechSprint Briefing.pdf\\\">TechSprint Briefing Media Release<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CCMR-CBM Press Release March 2023 final.pdf\\\">CCMR-CBM Press Release March 2023 final<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2023<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Borrow Wisely 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Borrow Wisely. T\\u2019s and C\\u2019s apply! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Spend wisely during festive season December 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely during festive season <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Stats_September 2022 (002) (2) (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension marginally slows down <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - MSR_May 2022.pdf\\\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-09-14 15:21:32\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-09-14 15:20:05\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":91,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"32675\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1467,139,1,'','2023-09-14 15:25:49',915,8595,'a1a78f7270a6d807d8515bf860f3b850c3aeee01','{\"id\":139,\"asset_id\":297,\"title\":\"National Credit Regulator and IFC announce Tech Competition to Empower  Small Credit Providers in South Africa\",\"alias\":\"national-credit-regulator-and-ifc-announce-tech-competition-to-empower-small-credit-providers-in-south-africa\",\"introtext\":\"<p align=\\\"right\\\"><strong>September 2023<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR), in partnership with the Government of Japan and the International Finance Corporation (IFC), have come together to launch an innovative TechSprint competition (also known as the Hackathon) designed to support the digitisation and regulatory compliance of small credit providers in South Africa.<\\/p>\\r\\n<p>The initiative will incorporate a virtual TechSprint and subsequent Showcase event, engaging software developers and technology teams to create robust and affordable solutions for small credit providers, ultimately promoting financial inclusion for underserved borrowers.<\\/p>\\r\\n<p>In the virtual TechSprint (Hackathon), taking place from 16 to 20 October 2023, Tech teams will enter a hackathon to build a prototype solution addressing the issue at hand. Winners will be announced on the Demo Day scheduled for 20 October 2023. Once the winners are selected, a Solution Showcase event will take place on 24 October 2023 in which the winning tech teams will virtually present their solutions to the credit industry. Applications for the virtual TechSprint (Hackathon) event are open and Tech teams have until 19 September 2023 to enter.<\\/p>\\r\\n<p>Small credit providers play a crucial role in the South African financial ecosystem, serving the base of the pyramid and the last mile. However, many of these credit providers face challenges in complying with Regulation 19(13) of the National Credit Act (NCA), which prescribes how credit providers must submit credit information to a credit bureau.<\\/p>\\r\\n<p>The TechSprint and Showcase events aim to address these issues by leveraging technological innovation to improve the resilience and compliance of small credit providers. Participating teams will have 3-4 days to build prototype solutions, with support from experts and the project team. A demo day will follow on 20 October 2023, during which teams would present their prototypes to a panel of judges, who would select the winning team(s) based on predefined criteria. The TechSprint winners will then be supported by an incubation programme to take their solution to market and start bridging the gap for small credit providers.<\\/p>\\r\\n<p>First prize is R100,000 cash with a 3-month incubation programme worth R65,000. The runners up for second and third places, would receive R60,000 and R40,000, respectively.<\\/p>\\r\\n<p>\\u201cThrough this initiative, we want to drive economic growth by providing essential financial services to those who would otherwise be excluded from the formal financial sector. Together with our partners in this project we had to find a solution to enhance credit visibility for borrowers, reduce the potential for over-indebtedness, provide more accurate data for regulatory purposes, and lower compliance burden. We can\\u2019t wait to see how these Tech teams make compliance more affordable and accessible.\\u201d said the NCR Chief Executive Officer, Nomsa Motshegare.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>To participate, teams must demonstrate their ability to create solutions that address the following key elements:<\\/p>\\r\\n<ul>\\r\\n<li><strong>Resilience<\\/strong>: Enable digital on-boarding and credit extension by small credit providers to underserved markets.<\\/li>\\r\\n<li><strong>Compliance:<\\/strong> Ensure effective participation in information sharing, submission, and regulatory reporting.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The TechSprint (Hackathon) competition is open to software developers, technology teams, and other interested parties with the capacity and capability to develop innovative tech solutions. Participants must be available during the TechSprint dates.<\\/p>\\r\\n<p>If you and your team think you have what it takes to win, registrations are now open for the virtual TechSprint and Showcase events until 19 September 2023:<\\/p>\\r\\n<p><strong>Registration for the Techsprint:<\\/strong> <a href=\\\"https:\\/\\/forms.gle\\/3oqDZu8zBDxdfNkT8\\\">https:\\/\\/forms.gle\\/3oqDZu8zBDxdfNkT8<\\/a><\\/p>\\r\\n<p><strong>Registration for the Showcase:<\\/strong> <a href=\\\"https:\\/\\/eur03.safelinks.protection.outlook.com\\/?url=https%3A%2F%2Fprotect-za.mimecast.com%2Fs%2FNsQ2CJZXX4FYERJFGOqsn&amp;data=05%7C01%7Cjmbaloyi%40ncr.org.za%7C6020081513ee47ec2a8308dbb29b5ec9%7C9c24d5180d3b43368040f585907bddb2%7C0%7C0%7C638300152727834819%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=MrkujxtNwuWPzafZs%2Fovn404%2FLwAKB9jEpU7VrGSuJI%3D&amp;reserved=0\\\">https:\\/\\/forms.gle\\/P7aLnZk1Qog3bQir5<\\/a><\\/p>\\r\\n<p>To learn more about the NCR Onboarding TechSprint visit <a href=\\\"index.php\\/publications\\/techsprint\\\">https:\\/\\/www.ncr.org.za\\/index.php\\/publications\\/techsprint<\\/a> for more information.<\\/p>\\r\\n<p><strong>About The National Credit Regulator (NCR)<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act, (NCA) 2005 (Act 34 of 2005)) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the NCA. The NCR offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible, and dynamic.<\\/p>\\r\\n<p><strong>About International Finance Corporation (IFC)<\\/strong><\\/p>\\r\\n<p>The International Finance Corporation (IFC), a member of the World Bank, is the largest global development institution focused on the private sector in emerging markets. We work in more than 100 countries, using our capital, expertise, and influence to create markets and opportunities in developing countries. In fiscal year 2023, IFC committed a record $43.7 billion to private companies and financial institutions in developing countries, leveraging the power of the private sector to end extreme poverty and boost shared prosperity as economies grapple with the impacts of global compounding crises.\\u00a0For more information, visit <a href=\\\"http:\\/\\/www.ifc.org\\\">www.ifc.org<\\/a>.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>For more information contact: <\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Jacqueline Baloyi<br \\/> National Credit Regulator (NCR)<br \\/> Phone: +27 64\\u00a0752 3920<br \\/> E-mail: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2023-09-14 15:25:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-09-14 15:25:49\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2023-09-14 15:25:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1468,25,1,'','2023-09-19 14:53:26',915,30071,'4e44d5a5b07f0affbaeaf0ed07efaaa3d9aa9391','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 05 September 2023.pdf\\\">Circular 5 of 2023 - Impact of extended power supply failure\\/loadshedding to the consumer credit market<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 August 2023.pdf\\\">Circular 4 of 2023 - Notice to registrants: obstructive behaviour during an investigation<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 June 2023 amended.pdf\\\">Circular 3 of 2023 - Annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 2 of 2023- Proposed Fee Stucture SACRRA 28 April.pdf\\\">Circular 2 of 2023 - Request for comments on the recommended fee stucture for fees payable to sacrra<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2023 -NCR Contact Details April 2023 final.pdf\\\">Circular 1 of 2023 - NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2022-Sale of personal information.pdf\\\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\\\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\" height=\\\"33\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-09-19 14:53:26\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-09-19 14:49:57\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":67,\"ordering\":\"7\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61537\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1469,27,1,'','2023-10-02 16:05:56',915,6600,'bc56978860e422e30278ce765af41b5dd29d5e79','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"650\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\">\\u00a0<\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_2022_2023.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/29 September 2023 - NCR Annual Reports.pdf\\\">Annual Report 2020\\/2021<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2022.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/30 September 2022 - NCR Annual Report 2022.pdf\\\">Annual Report 2021\\/2022<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_-report_2020_2021.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR-AR2020-2021.pdf\\\">Annual Report 2020\\/2021<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\u00a0 <img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-02 16:05:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-10-02 16:04:18\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":24,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33607\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1470,27,1,'','2023-10-02 16:06:39',915,6600,'fdad17c736999b45736b82cbe29a039e22f9643b','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"650\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\">\\u00a0<\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_2022_2023.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/29 September 2023 - NCR Annual Reports.pdf\\\">Annual Report 2022\\/2023<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2022.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/30 September 2022 - NCR Annual Report 2022.pdf\\\">Annual Report 2021\\/2022<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_-report_2020_2021.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR-AR2020-2021.pdf\\\">Annual Report 2020\\/2021<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\u00a0 <img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-02 16:06:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-10-02 16:05:56\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":25,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33608\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1472,46,1,'','2023-10-05 15:20:51',915,68511,'1c301f58883ad7097a67861af7ab3430ffe7991c','{\"id\":46,\"asset_id\":\"160\",\"title\":\"Credit Bureau Monitor (CBM)\",\"alias\":\"credit-bureau-monitor-cbm\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b><\\/p>\\r\\n<p><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><b><br \\/><\\/b><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/a><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol style=\\\"font-size: 12.16px; line-height: 15.808px;\\\">\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - Second Quarter | June 2015<\\/b><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/b><\\/b><\\/a><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<hr \\/>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\">Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b><\\/p>\\r\\n<p>\\u00a0<b style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/b><\\/p>\\r\\n<ol>\\r\\n<ol>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/ol>\\r\\n<\\/ol>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"600\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2023<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2023.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2019 to June 2023, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2023.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2023<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2023<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2023.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2019 to March 2023, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2023.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2023<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2022.pdf\\\">The information re\\u001f ected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2018 to December 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2018 to September 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2018 to June 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2022<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2022<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2022.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2018 to March 2022, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2022\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2022.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2022.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2017 to December 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2017 to September 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q3 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q3 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q3 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2017 to June 2021, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q2 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q2 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q2 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2021<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q1 2021.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q1 2021\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q1 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q1 2021<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q3 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q3 2007 - Q4 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q3 2007 - Q4 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2020_.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2020_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2020<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2020.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2020\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2020.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2020<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q4 2019.pdf.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2019<\\/b> <br \\/> <br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q3 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2015 to September 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q3 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Q2 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2015 to June 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2019\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2019 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2019.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2015 to March 2019, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2019.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2019<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2014 to December 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q4 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM sep 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2014 to September 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2014 to June 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2018.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2014 to March 2018, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q1 2018\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q1 2018.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q1 2018<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM Dec 17 final.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2013 to December 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q4 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q4 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended Sepember 2013 to September 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q3 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q3 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 17.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2013 to June 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q2 2007 - Q2 2017\\\" href=\\\"documents\\/CBM\\/CBM data Q2 2007 - Q2 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q2 2007 - Q2 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM March 2017.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2013 to March 2017, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q12017\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q12017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2012 to December 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM Data December 2017.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM Data December 2017<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM September 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2012 to September 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q32016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q32016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM June 2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2012 to June 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q22016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px;\\\" href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM_March_2016-1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td width=\\\"410\\\"><b>Credit Bureau Monitor - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM_March_2016.pdf\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2012 to March 2016, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\" CBM data Q22007 - Q12016\\\" href=\\\"documents\\/CBM\\/CBM_data_Q22007_Q12016.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12016<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a style=\\\"color: #0000cc; text-decoration: underline; font-size: 12.16px; line-height: 15.808px;\\\" href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CBM\\/CBM December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a title=\\\"CBM data Q22007 - Q42015\\\" href=\\\"documents\\/CBM\\/CBM data Q22007 - Q42015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM September 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q32015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q32015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM%20June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><b style=\\\"line-height: 15.8079996109009px;\\\"><img src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/b><\\/b><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM June 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/CBM\\/CBM data Q22007 - Q22015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q22015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM%20March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM March 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended March 2011 to March 2015, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar15\\/CBM data Q22007 - Q12015.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q12015<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth\\u00a0Quarter | December\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM December 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended December 2010 to December 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec14\\/CBM data Q22007 - Q42014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data Q22007 - Q42014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM September 2014 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2010 to September 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep14\\/CBM data Q22007 - Q32014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second\\u00a0Quarter | June\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/Credit Bureau Monitor June 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended June 2010 to June 2014, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005.<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/june14\\/CBM data Q22007 - Q22014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - First\\u00a0Quarter | March\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM data Q22007 - Q12014.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2014<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Fourth Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM December 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec13\\/CBM data Q22007-Q42013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM September 2013- 1st draft.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep13\\/CBM data Q22007 - Q32013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/march14\\/CBM March 2014..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td><b>Credit Bureau Monitor - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM June 2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The information reflected in this edition of the Credit Bureau Monitor covers the period from the quarter ended September 2009 to September 2013, and is based on data held by registered credit bureaus in terms of the National Credit Act No 34 of 2005...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun13\\/CBM data Q22007 - Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM March 2013 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar13\\/CBM data 2007 - Q12013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2013<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM Dec 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/dec12\\/CBM data 2007 -2012new.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM September 2012- Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep12\\/CBM data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit bureaus create consumer credit profiles based on credit information received from credit providers...<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun12\\/CBM2 data 2007 -2012.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter |March 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/Credit Bureu Monitor - March 2012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar12\\/CBM data 2007 -2012.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CBM data 2007 - 2012 <\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/CBM PRINT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/sep11\\/Appendix Final Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1CBM Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/jun11\\/1Appendix Final_Second Quarter June 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2011<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/publications\\/mar11\\/cbmmarch2011_appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2010Dec.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_App_2010Dec.pdf\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_September_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM_June_2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/Appendix.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Appendix<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2010<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CBM - March 2010.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter | December 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor - December 2009 Q.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/CB Monitor- September.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Second Quarter | June 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2009_June.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - First Quarter | March 2009<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_CBM_2009_Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Fourth Quarter| December 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Third Quarter | September 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CBM 2008 Q3 low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 2 | June 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 1 | March 2008 <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR CB Monitor-Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Summary ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR News SUm-Q1 AK-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\"><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"font-weight: normal; line-height: 15.8079996109009px;\\\" src=\\\"images\\/consumer_market_report\\/CBM.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><b>Credit Bureau Monitor - Quarter 3 | September 2007 ( Full Report ) <\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/research_stats\\/NCR_Newsletter.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the Credit Bureau Monitor<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<div class=\\\"row-fluid\\\"><hr \\/>\\r\\n<h2><strong>Credit Bureau Monitor Archives<\\/strong><\\/h2>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=179&amp;catid=2&amp;Itemid=437\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02014 Archive<\\/a><\\/h4>\\r\\n<\\/div>\\r\\n<div class=\\\"row-fluid\\\">\\r\\n<!--<h4><a href=\\\"index.php\\/credit-bureau-monitor-2013-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2013 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2012-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2012 Archive<\\/a><\\/h4>\\r\\n<h4><a href=\\\"index.php\\/credit-bureau-monitor-2011-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/> 2011 Archive<\\/a><\\/h4>_\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2010-archive\\\">2010 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2009-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02009 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2008-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/>\\u00a02008 Archive<\\/a><\\/h4>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\"><img src=\\\"images\\/icon.png\\\" alt=\\\"\\\" width=\\\"33\\\" height=\\\"33\\\" \\/><\\/a>\\u00a0<a href=\\\"index.php\\/credit-bureau-monitor-2007-archive\\\">2007 Archive<\\/a><\\/h4>\\r\\n<\\/div>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:08:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-05 15:20:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-10-05 15:18:08\",\"publish_up\":\"2019-04-11 15:08:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":81,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"246470\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1473,48,1,'','2023-10-05 15:24:07',915,36550,'0123572095f4d5d52b883d254efcbfa99929fb13','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2023<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2023Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2023Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2023Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2023<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2023Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2023Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2023Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2021Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q3_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2019Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2018Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2018Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2017Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2017Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2017Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2017Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007-Q4 to 2016-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q3\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2016-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q4 December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2015-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3 2015 - V2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q2 to 2015-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR Q2 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR_Q32015 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q42014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li>\\u00a0<a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q22014 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.<\\/a><\\/li>\\r\\n<li style=\\\"margin-bottom: 5px;\\\"><a href=\\\"publications\\/Consumer%20Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2014-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/CCMR Q12014 draft1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\\\">Web-Dataset 2007 - Q4 to 2014 - Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2013 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Report\\/ccmr_3rdQ2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a>.<\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccmr_3rdQ2013\\/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006.\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CBM%20data%20Q22007%20-%20Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset CBM data 2007-Q4 to 2012-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/CCMR%20Q32012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African \\u00a0consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/Web-Dataset%202007-Q4%20to%202012-Q3.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2012-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-05 15:24:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-10-05 15:21:48\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":63,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"321739\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1474,70,1,'','2023-10-05 15:48:50',915,24977,'85e658969f2e0f0c29a9f2fa102704fb7bf74e7f','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/CCMR-CBM Press Release October 2023 (003).pdf\\\">Credit Extension slows down while impairments worsen. <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Media Release- TechSprint (11 Sept).pdf\\\">National Credit Regulator and IFC announce Tech Competition to Empower Small Credit Providers in South Africa<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/investigations in the cape town.pdf\\\">Investigations in the Cape Town<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Media Release- TechSprint Briefing.pdf\\\">TechSprint Briefing Media Release<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CCMR-CBM Press Release March 2023 final.pdf\\\">CCMR-CBM Press Release March 2023 final<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2023<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Borrow Wisely 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Borrow Wisely. T\\u2019s and C\\u2019s apply! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Spend wisely during festive season December 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely during festive season <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Stats_September 2022 (002) (2) (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension marginally slows down <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - MSR_May 2022.pdf\\\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-05 15:48:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-10-05 15:46:36\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":93,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33627\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1475,70,1,'','2023-10-05 15:50:00',915,24975,'b20ea6fb6b2ca99d2b71fa65546cc8e3debe9069','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/CCMR-CBM Press Release October 2023 (003).pdf\\\">Credit Extension slows down while impairments worsen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Media Release- TechSprint (11 Sept).pdf\\\">National Credit Regulator and IFC announce Tech Competition to Empower Small Credit Providers in South Africa<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/investigations in the cape town.pdf\\\">Investigations in the Cape Town<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Media Release- TechSprint Briefing.pdf\\\">TechSprint Briefing Media Release<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CCMR-CBM Press Release March 2023 final.pdf\\\">CCMR-CBM Press Release March 2023 final<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2023<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Borrow Wisely 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Borrow Wisely. T\\u2019s and C\\u2019s apply! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Spend wisely during festive season December 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely during festive season <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Stats_September 2022 (002) (2) (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension marginally slows down <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - MSR_May 2022.pdf\\\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-05 15:50:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-10-05 15:48:50\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":94,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33630\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1476,140,1,'','2023-10-05 15:52:33',915,7073,'f3b92d66629227e87b8d454057cd3e6ab2c8c31c','{\"id\":140,\"asset_id\":298,\"title\":\"Credit Extension slows down while impairments worsen. \",\"alias\":\"credit-extension-slows-down-while-impairments-worsen\",\"introtext\":\"<p align=\\\"right\\\"><strong> October 2023<\\/strong><\\/p>\\r\\n<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted by the registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information from April 2023 to June 2023. The total value of new credit granted increased by 0.15% quarter-on-quarter from R141.78 billion to R141.99 billion. The number of credit agreements entered-into increased by 6.66% quarter-on-quarter from 3.79 million to 4.04 million.<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2023:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R2. 75 billion (6.09%) quarter-on-quarter and decreased by R9.69 billion (16. 85%) year-on-year.<\\/li>\\r\\n<li>Secured credit, which is dominated by vehicle finance, decreased by R480.03billion (1.06%) quarter-on-quarter, and by R153.55 million (0.34%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R1.14 billion (4.80%) quarter-on-quarter and by R1.66 billion (6.85%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R354.87 million (1.53%) quarter-on-quarter, and by R4.08 billion (15.14%) year-on-year.<\\/li>\\r\\n<li>Short-term credit increased by R235.09 million (11.14%) quarter-on-quarter and by R156.06 million (7.13%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtor\\u2019s book) as at June 2023 was R2.31 trillion, representing an increase of 0.74% quarter-on-quarter and by 5.81% year-on-year. The trends for outstanding balances for the quarter ended June 2023 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R8. 62 billion (0. 72%) quarter\\u2013on-quarter and by R64.58 billion (5.65%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R3.02 billion (0.61%) quarter-on-quarter and by R22.03 billion (4.59%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R5. 40 billion (1.73%) quarter-on-quarter and by R30.97 billion (10.81%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R910.18 million (0.41%) quarter-on-quarter and increased by R5.26 billion (2.43%) year-on-year.<\\/li>\\r\\n<li>Short-term credit debtors book increased by R106.08 million (5.07%) quarter-on-quarter and by R339.78 million (18.27%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 27.05 million credit-active consumers, which was a decrease of 0.05% when compared to the 27.07 million in the previous quarter. Consumers classified in good standing decreased by 215,482 to 17.03 million. This amounts to 62.95% of the total number of credit-active consumers. The number of credit-active accounts decreased from 90.44 million to 90.21 million in the quarter ended June 2023. The number of impaired accounts has increased from 19.13 million (21.15%) to 19.29 million (21.38%) in June 2023, an increase of 158 725 quarter-on-quarter and 26 685year-on-year.<\\/p>\\r\\n<p>The interest rate cycle has been on an upward swing placing consumer\\u2019s payment obligations under severe financial pressure as a result of increased debt re-payment installments. The NCR urges consumers to plan and monitor their spending by drawing up a monthly budget and making shopping lists to manage their expenses. The NCR encourages consumers battling with debt repayments to contact their credit providers for assistance with payment re-arrangements. Consumers must not avoid credit providers when in distress.<\\/p>\\r\\n<p>In the worst-case scenario, consumers are urged to contact their nearest registered debt counsellors to seek help. Debt counselling is intended to assist consumers who are over-indebted. Over-indebtedness is a state where the consumer \\u2018s income is not sufficient to cover all financial obligations and living expenses. A registered debt counsellor should be able to assist the consumer with budget advice and debt restructuring, says Mr Ngoako Mabeba, the Statistics and Research Manager at the NCR.<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March 2023 and June 2023 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2022 and June 2023 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2023-10-05 15:52:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-05 15:52:33\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2023-10-05 15:52:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1478,39,1,'','2023-10-10 11:07:09',915,1945,'0c4eff49cb19586dbcf0b33ef6f93b8caf618bc7','{\"id\":39,\"asset_id\":\"146\",\"title\":\"NCR BBBEE Certificate\",\"alias\":\"ncr-bbbee-certificate\",\"introtext\":\"<p><a href=\\\"documents\\/Final Certificate - National Credit Regulator (NCR) BE12781-021023.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2019-04-11 09:28:11\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-10 11:07:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-10-10 11:06:33\",\"publish_up\":\"2019-04-11 09:28:11\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"19087\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1482,70,1,'','2023-10-16 15:40:45',915,25380,'35ac13a01eb97794e89a663266b28e1334812609','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/media releaase october 2023 - NCR and IFC Tech Competition Fosters Financial Inclusion and Empowers                     Small Credit Providers in South Africa.pdf\\\">NCR and IFC Tech Competition Fosters Financial Inclusion and Empowers Small Credit Providers in South Africa<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/CCMR-CBM Press Release October 2023 (003).pdf\\\">Credit Extension slows down while impairments worsen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Media Release- TechSprint (11 Sept).pdf\\\">National Credit Regulator and IFC announce Tech Competition to Empower Small Credit Providers in South Africa<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/investigations in the cape town.pdf\\\">Investigations in the Cape Town<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Media Release- TechSprint Briefing.pdf\\\">TechSprint Briefing Media Release<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CCMR-CBM Press Release March 2023 final.pdf\\\">CCMR-CBM Press Release March 2023 final<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2023<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Borrow Wisely 2023.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Borrow Wisely. T\\u2019s and C\\u2019s apply! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Spend wisely during festive season December 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely during festive season <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Don\'t led Black Friday lead to a Blacklisting approved.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to a Blacklisting! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Stats_September 2022 (002) (2) (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension marginally slows down <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/CEO-0121-Draft media release on victim of cyber scam - September 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t be the next victim of a cyber-scam <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - MSR_May 2022.pdf\\\">MSR Financial Solutions (Pty) Ltd and other credit providers flout the National Credit Act and deals with the consequences <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-16 15:40:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-10-16 15:38:46\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":96,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34098\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1483,141,1,'','2023-10-16 15:44:12',915,7188,'c2ca28c30afcc607ac0d4d67d9bec3d6ad2607ec','{\"id\":141,\"asset_id\":299,\"title\":\"NCR and IFC Tech Competition Fosters Financial Inclusion and Empowers                     Small Credit Providers in South Africa\",\"alias\":\"ncr-and-ifc-tech-competition-fosters-financial-inclusion-and-empowers-small-credit-providers-in-south-africa\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2023<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) and the IFC - International Finance Corporation have come together to bring about an innovative competition aimed at supporting the digitisation and regulatory compliance of small credit providers in South Africa.<\\/p>\\r\\n<p>The initiative will incorporate a TechSprint and subsequent Showcase event, engaging software developers and technology teams to create robust, cost-effective solutions and showcase ready to be introduced to the market solutions. These solutions are specifically targeted towards small credit providers, with the ultimate objective of enhancing financial inclusion for underserved borrowers.<\\/p>\\r\\n<p>The two events aim to leverage technological innovation to improve the resilience and compliance of small credit providers. The TechSprint week, also referred to as the Hackathon, will take place from 16 to 19 October 2023. Participating teams will have four days to build prototype solutions, with support from industry experts who will provide valuable insights to the participating team.<\\/p>\\r\\n<p>A demo day will follow on 20 October 2023, where the tech teams will present their prototypes to a panel of judges. At the end of the presentation, winners will be announced, with the prize that includes an incubation programme aimed at assisting the winner to take their solution to market.<\\/p>\\r\\n<p>The Showcase event will take place on 24 October 2023 where tech companies will Showcase their existing solution geared on improving resilience, inclusion, and compliance with the National Credit Act (NCA).<\\/p>\\r\\n<p>Small credit providers play a significant role within the South African financial ecosystem, serving the base of the pyramid and the last mile, \\u201cmany of these providers encounter challenges in complying with Regulation 19 (13) of the (NCA), which prescribes the requirement for credit providers when submitting credit information to a credit bureau. This barrier in many cases serves as a limitation for individuals from participating in and contributing to the expansion of the national economy. With the support of our partners, the NCR had to find innovative ways to solve these challenges\\u201d the NCR Chief Executive Officer, Nomsa Motshegare said To learn more about the NCR Onboarding TechSprint and Showcase visit: <a href=\\\"https:\\/\\/eur03.safelinks.protection.outlook.com\\/?url=https%3A%2F%2Fwww.ncr.org.za%2Findex.php%2Fpublications%2Ftechsprint&amp;data=05%7C01%7CPTlabela%40ncr.org.za%7C1d5577f8f936451aa2a208dbcdc49821%7C9c24d5180d3b43368040f585907bddb2%7C0%7C0%7C638330016484400105%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=1hX577D8yWAtgI0zfTVYyrh%2BNAP95s0cOcBLDQn6l%2BA%3D&amp;reserved=0\\\">https:\\/\\/www.ncr.org.za\\/index.php\\/publications\\/techsprint <\\/a>for more information.<\\/p>\\r\\n<p><strong>About The National Credit Regulator (NCR)<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act, (NCA) 2005 (Act 34 of 2005)) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the NCA. The NCR offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible, and dynamic.<\\/p>\\r\\n<p><strong>About International Finance Corporation (IFC)<\\/strong><\\/p>\\r\\n<p>The International Finance Corporation (IFC), a member of the World Bank, is the largest global development institution focused on the private sector in emerging markets. We work in more than 100 countries, using our capital, expertise, and influence to create markets and opportunities in developing countries. In fiscal year 2023, IFC committed a record $43.7 billion to private companies and financial institutions in developing countries, leveraging the power of the private sector to end extreme poverty and boost shared prosperity as economies grapple with the impacts of global compounding crises. For more information, visit <a href=\\\"https:\\/\\/eur03.safelinks.protection.outlook.com\\/?url=http%3A%2F%2Fwww.ifc.org%2F&amp;data=05%7C01%7CPTlabela%40ncr.org.za%7C1d5577f8f936451aa2a208dbcdc49821%7C9c24d5180d3b43368040f585907bddb2%7C0%7C0%7C638330016484400105%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=9xRRH3iOVwLD4OnOOqsGRTGwB%2FxgUjHJiJcVBUOCYUg%3D&amp;reserved=0\\\">www.ifc.org<\\/a>.<\\/p>\\r\\n<p align=\\\"center\\\">Ends<\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Jacqueline Baloyi<br \\/> National Credit Regulator (NCR) Phone: +27 64 752 3920<br \\/> E-mail: techsprint@ncr.org.za Website: www.ncr.org.za<\\/p>\\r\\n<p align=\\\"center\\\">For interviews contact:<br \\/> Winnie Rabathata<br \\/> National Credit Regulator (NCR) Phone: +27 64 752 3923<br \\/> E-mail: media@ncr.org.za Website: www.ncr.org.za<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2023-10-16 15:44:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-16 15:44:12\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2023-10-16 15:44:12\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1485,48,1,'','2023-10-24 07:59:17',915,36550,'9e7b471394d2b61b788db478811927cb925b48d2','{\"id\":48,\"asset_id\":\"162\",\"title\":\"Consumer Credit Market Report (CCMR)\",\"alias\":\"consumer-credit-market-report-ccmr\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2023<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2023Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2023Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2023Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2023<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2023Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2023Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2023Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2022Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2022Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2022<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2022Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2022Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR CCMR Web-Dataset 2007Q4 to 2022Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2021Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q2.xlsx<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2021<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2021Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2021Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2021Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2021Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q3_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2020Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q3_.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2020<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2020Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2020Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2020Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q3\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2019Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web_Dataset 2007Q4 to 2019Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2019<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2019Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2019Q1\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2019Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2019Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006..<\\/a><\\/li>\\r\\n<li><a title=\\\"CCMR Web-Dataset 2007Q4 to 2018Q4\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CCMR Web-Dataset 2007Q4 to 2018Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/CCMR Web-Dataset 2007Q4 to 2018Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2018<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2018Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2018Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2018Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2018Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2017<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR 2017Q4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007Q4 to 2017Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007Q4 to 2017Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007Q4 to 2017Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR December 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007-Q4 to 2016-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR September 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q3\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR June 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into eff ect in June 2006.<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q2\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2016-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First Quarter | March 2016<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2016-Q1\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2016-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2016-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/CCMR\\/CCMR Q4 December 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a title=\\\"Web-Dataset 2007 - Q4 to 2015-Q4\\\" href=\\\"documents\\/CCMR\\/Web-Dataset 2007-Q4 to 2015-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3 2015 - V2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2015-Q3 - V2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q2 to 2015-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR Q2 2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March\\u00a02015<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/CCMR_Q32015 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/2015\\/Web-Dataset 2007-Q4 to 2015-Q1.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2015-Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q42014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q4.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third\\u00a0Quarter | September\\u00a02014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR Q3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2014 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li>\\u00a0<a href=\\\"publications\\/Consumer Credit Market Report\\/CCMR_Q22014 - Design-YP4_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in September 2014.<\\/a><\\/li>\\r\\n<li style=\\\"margin-bottom: 5px;\\\"><a href=\\\"publications\\/Consumer%20Credit Market Report\\/Web-Dataset 2007-Q4 to 2014-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2014-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - First\\u00a0Quarter | March 2014<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/CCMR Q12014 draft1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/march2014\\/Web-Dataset 2007-Q4 to 2014-Q1.xlsx\\\">Web-Dataset 2007 - Q4 to 2014 - Q1<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth\\u00a0Quarter | December 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African Consumer Credit Market in terms of the National Credit Act which came into effect in June 2006<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Market Report\\/dec2013\\/Web-Dataset 2007-Q4 to 2013-Q4_new.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007 - Q4 to 2013 - Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer Credit Report\\/ccmr_3rdQ2013\\/CCMR Q32013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006<\\/a>.<\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccmr_3rdQ2013\\/Web-Dataset%202007-Q4%20to%202013-Q3.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Second Quarter | June 2013<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Report\\/ccrm_2ndQ\\/Web-Dataset%202007-Q4%20to%202013-Q2.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q2 to 2013-Q2<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Fourth Quarter | December 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CCMR%20Q2-Changes,%20F.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act which came into effect in june 2006.\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Credit_Monitor\\/oct_13\\/CBM%20data%20Q22007%20-%20Q22013.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset CBM data 2007-Q4 to 2012-Q4<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"180\\\">\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/consumer_market_report\\/ccmr.jpg\\\" alt=\\\"\\\" width=\\\"131\\\" height=\\\"166\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"410\\\"><b>Consumer Credit Market Report - Third Quarter | September 2012<\\/b> <br \\/><br \\/>\\r\\n<ol>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/CCMR%20Q32012.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">This report and its appendix represent the analysis of quarterly data of the South African \\u00a0consumer credit market in terms of the National Credit Act which came into effect in June 2006.<\\/a><\\/li>\\r\\n<li><a href=\\\"publications\\/Consumer%20Credit%20Market%20Report\\/Web-Dataset%202007-Q4%20to%202012-Q3.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Web-Dataset 2007-Q4 to 2012-Q3<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-11 15:57:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-10-24 07:59:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-10-24 07:58:30\",\"publish_up\":\"2019-04-11 15:57:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":65,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"327962\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1489,47,1,'','2023-11-03 09:24:13',915,4011,'87bda0137814d2c3f50313fa6402d3c060d3adf8','{\"id\":47,\"asset_id\":\"161\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"text-align: center;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<th>Position<\\/th>\\r\\n<th>Closing Date<\\/th>\\r\\n<th>Download<\\/th>\\r\\n<th>Email<\\/th>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Intern: Complaints Department\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">6 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"documents\\/careers\\/Intern Complaints Department.pdf\\\">download<\\/a>\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Manager: Complaints\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">9 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Complaints Manager_Advert.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Junior Monitoring Officer- Debt Counselling\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">9 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"documents\\/careers\\/Junior Monitoring Officer - Debt Counselling_1.pdf\\\">download<\\/a>\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Desktop Technician\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">14 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Desktop Technician advert Nov 2023_1.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:COM-recruitment@ncr.org.za\\\">COM-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"16\",\"created\":\"2019-04-11 15:16:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-03 09:24:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-03 09:05:47\",\"publish_up\":\"2019-04-11 15:16:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":381,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"196342\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1490,47,1,'','2023-11-08 09:17:05',915,3596,'e2a16c81148c3670c7af19ed6a580fd50e412214','{\"id\":47,\"asset_id\":\"161\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"text-align: center;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<th>Position<\\/th>\\r\\n<th>Closing Date<\\/th>\\r\\n<th>Download<\\/th>\\r\\n<th>Email<\\/th>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Manager: Complaints\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">9 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Complaints Manager_Advert.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Junior Monitoring Officer- Debt Counselling\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">9 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"documents\\/careers\\/Junior Monitoring Officer - Debt Counselling_1.pdf\\\">download<\\/a>\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Desktop Technician\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">14 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Desktop Technician advert Nov 2023_1.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:COM-recruitment@ncr.org.za\\\">COM-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"16\",\"created\":\"2019-04-11 15:16:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-08 09:17:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-08 09:15:35\",\"publish_up\":\"2019-04-11 15:16:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":383,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"197574\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1491,47,1,'','2023-11-08 09:28:21',915,4050,'6f899c85bf8b529468ae3e40f733f4e9c7221367','{\"id\":47,\"asset_id\":\"161\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"text-align: center;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<th>Position<\\/th>\\r\\n<th>Closing Date<\\/th>\\r\\n<th>Download<\\/th>\\r\\n<th>Email<\\/th>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Manager: Complaints\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">9 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Complaints Manager_Advert.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Junior Monitoring Officer- Debt Counselling\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">9 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"documents\\/careers\\/Junior Monitoring Officer - Debt Counselling_1.pdf\\\">download<\\/a>\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Desktop Technician\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">14 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Desktop Technician advert Nov 2023_1.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:COM-recruitment@ncr.org.za\\\">COM-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Manager: Investigations and Enforcement\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">15 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Manager Investigations and Enforcement advert Nov 2023.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:COM-recruitment@ncr.org.za\\\">COM-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"16\",\"created\":\"2019-04-11 15:16:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-08 09:28:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-08 09:17:05\",\"publish_up\":\"2019-04-11 15:16:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":384,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"197584\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1492,47,1,'','2023-11-08 09:30:21',915,4568,'09f9c82f2678477b9c17818bfd50983f8d9f89cc','{\"id\":47,\"asset_id\":\"161\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"text-align: center;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<th>Position<\\/th>\\r\\n<th>Closing Date<\\/th>\\r\\n<th>Download<\\/th>\\r\\n<th>Email<\\/th>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Manager: Complaints\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">9 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Complaints Manager_Advert.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Junior Monitoring Officer- Debt Counselling\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">9 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"documents\\/careers\\/Junior Monitoring Officer - Debt Counselling_1.pdf\\\">download<\\/a>\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Desktop Technician\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">14 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Desktop Technician advert Nov 2023_1.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:COM-recruitment@ncr.org.za\\\">COM-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Credit Bureau Project Consultant (Re-Advertisement) 24-months contract (Contract limited to 8 hours a week)\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">13 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Advert - Credit Bureau Project Consultant November.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:EST-Recruitment@ncr.org.za\\\">EST-Recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Manager: Investigations and Enforcement\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">15 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Manager Investigations and Enforcement advert Nov 2023.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:COM-recruitment@ncr.org.za\\\">COM-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"16\",\"created\":\"2019-04-11 15:16:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-08 09:30:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-08 09:28:21\",\"publish_up\":\"2019-04-11 15:16:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":385,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"197586\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1493,47,1,'','2023-11-08 09:39:53',915,4569,'fa1271b7f0e41eb13d48c4ae29d4e7da31653ddd','{\"id\":47,\"asset_id\":\"161\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"text-align: center;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<th>Position<\\/th>\\r\\n<th>Closing Date<\\/th>\\r\\n<th>Download<\\/th>\\r\\n<th>Email<\\/th>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Manager: Complaints\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">9 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Complaints Manager_Advert.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Junior Monitoring Officer- Debt Counselling\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">9 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"documents\\/careers\\/Junior Monitoring Officer - Debt Counselling_1.pdf\\\">download<\\/a>\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:IF-recruitment@ncr.org.za\\\">IF-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Desktop Technician\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">14 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Desktop Technician advert Nov 2023_1.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:COM-recruitment@ncr.org.za\\\">COM-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Credit Bureau Project Consultant (Re-Advertisement) 24-months contract (Contract limited to 8 hours a week)\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">13 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Advert - Credit Bureau Project Consultant November.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:EST-Recruitment@ncr.org.za\\\">EST-Recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Manager: Investigations and Enforcement\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">15 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Manager Investigations and Enforcement  advert Nov 2023.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:COM-recruitment@ncr.org.za\\\">COM-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"16\",\"created\":\"2019-04-11 15:16:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-08 09:39:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-08 09:30:21\",\"publish_up\":\"2019-04-11 15:16:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":386,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"197598\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1494,139,1,'','2023-11-08 10:29:00',915,8617,'c680da090e905d7ad4b1fdf593613030c1cc3e0e','{\"id\":139,\"asset_id\":\"297\",\"title\":\"National Credit Regulator and IFC announce Tech Competition to Empower  Small Credit Providers in South Africa\",\"alias\":\"national-credit-regulator-and-ifc-announce-tech-competition-to-empower-small-credit-providers-in-south-africa\",\"introtext\":\"<p align=\\\"right\\\"><strong>September 2023<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR), in partnership with the Government of Japan and the International Finance Corporation (IFC), have come together to launch an innovative TechSprint competition (also known as the Hackathon) designed to support the digitisation and regulatory compliance of small credit providers in South Africa.<\\/p>\\r\\n<p>The initiative will incorporate a virtual TechSprint and subsequent Showcase event, engaging software developers and technology teams to create robust and affordable solutions for small credit providers, ultimately promoting financial inclusion for underserved borrowers.<\\/p>\\r\\n<p>In the virtual TechSprint (Hackathon), taking place from 16 to 20 October 2023, Tech teams will enter a hackathon to build a prototype solution addressing the issue at hand. Winners will be announced on the Demo Day scheduled for 20 October 2023. Once the winners are selected, a Solution Showcase event will take place on 24 October 2023 in which the winning tech teams will virtually present their solutions to the credit industry. Applications for the virtual TechSprint (Hackathon) event are open and Tech teams have until 19 September 2023 to enter.<\\/p>\\r\\n<p>Small credit providers play a crucial role in the South African financial ecosystem, serving the base of the pyramid and the last mile. However, many of these credit providers face challenges in complying with Regulation 19(13) of the National Credit Act (NCA), which prescribes how credit providers must submit credit information to a credit bureau.<\\/p>\\r\\n<p>The TechSprint and Showcase events aim to address these issues by leveraging technological innovation to improve the resilience and compliance of small credit providers. Participating teams will have 3-4 days to build prototype solutions, with support from experts and the project team. A demo day will follow on 20 October 2023, during which teams would present their prototypes to a panel of judges, who would select the winning team(s) based on predefined criteria. The TechSprint winners will then be supported by an incubation programme to take their solution to market and start bridging the gap for small credit providers.<\\/p>\\r\\n<p>First prize is R100,000 cash with a 3-month incubation programme worth R65,000. The runners up for second and third places, would receive R60,000 and R40,000, respectively.<\\/p>\\r\\n<p>\\u201cThrough this initiative, we want to drive economic growth by providing essential financial services to those who would otherwise be excluded from the formal financial sector. Together with our partners in this project we had to find a solution to enhance credit visibility for borrowers, reduce the potential for over-indebtedness, provide more accurate data for regulatory purposes, and lower compliance burden. We can\\u2019t wait to see how these Tech teams make compliance more affordable and accessible.\\u201d said the NCR Chief Executive Officer, Nomsa Motshegare.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>To participate, teams must demonstrate their ability to create solutions that address the following key elements:<\\/p>\\r\\n<ul>\\r\\n<li><strong>Resilience<\\/strong>: Enable digital on-boarding and credit extension by small credit providers to underserved markets.<\\/li>\\r\\n<li><strong>Compliance:<\\/strong> Ensure effective participation in information sharing, submission, and regulatory reporting.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The TechSprint (Hackathon) competition is open to software developers, technology teams, and other interested parties with the capacity and capability to develop innovative tech solutions. Participants must be available during the TechSprint dates.<\\/p>\\r\\n<p>If you and your team think you have what it takes to win, registrations are now open for the virtual TechSprint and Showcase events until 19 September 2023:<\\/p>\\r\\n<p><strong>Registration for the Techsprint:<\\/strong> <a href=\\\"https:\\/\\/forms.gle\\/3oqDZu8zBDxdfNkT8\\\">https:\\/\\/forms.gle\\/3oqDZu8zBDxdfNkT8<\\/a><\\/p>\\r\\n<p><strong>Registration for the Showcase:<\\/strong> <a href=\\\"https:\\/\\/eur03.safelinks.protection.outlook.com\\/?url=https%3A%2F%2Fprotect-za.mimecast.com%2Fs%2FNsQ2CJZXX4FYERJFGOqsn&amp;data=05%7C01%7Cjmbaloyi%40ncr.org.za%7C6020081513ee47ec2a8308dbb29b5ec9%7C9c24d5180d3b43368040f585907bddb2%7C0%7C0%7C638300152727834819%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=MrkujxtNwuWPzafZs%2Fovn404%2FLwAKB9jEpU7VrGSuJI%3D&amp;reserved=0\\\">https:\\/\\/forms.gle\\/P7aLnZk1Qog3bQir5<\\/a><\\/p>\\r\\n<p>To learn more about the NCR Onboarding TechSprint visit <a href=\\\"index.php\\/publications\\/techsprint\\\">https:\\/\\/www.ncr.org.za\\/index.php\\/publications\\/techsprint<\\/a> for more information.<\\/p>\\r\\n<p><strong>About The National Credit Regulator (NCR)<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act, (NCA) 2005 (Act 34 of 2005)) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the NCA. The NCR offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible, and dynamic.<\\/p>\\r\\n<p><strong>About International Finance Corporation (IFC)<\\/strong><\\/p>\\r\\n<p>The International Finance Corporation (IFC), a member of the World Bank, is the largest global development institution focused on the private sector in emerging markets. We work in more than 100 countries, using our capital, expertise, and influence to create markets and opportunities in developing countries. In fiscal year 2023, IFC committed a record $43.7 billion to private companies and financial institutions in developing countries, leveraging the power of the private sector to end extreme poverty and boost shared prosperity as economies grapple with the impacts of global compounding crises.\\u00a0For more information, visit <a href=\\\"http:\\/\\/www.ifc.org\\\">www.ifc.org<\\/a>.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>For more information contact: <\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Jacqueline Baloyi<br \\/> National Credit Regulator (NCR)<br \\/> Phone: +27 64\\u00a0752 3920<br \\/> E-mail: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2023-09-14 15:25:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-08 10:29:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-08 10:28:31\",\"publish_up\":\"2023-09-14 15:25:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"4661\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1495,29,1,'','2023-11-13 14:08:44',915,5099,'b87ef300c81b405e0b6c4823b8a4bdff9d7f2792','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/GUIDELINES FOR DEBT COUNSELLORS ON THE SUBMISSION OF FORMS 41 AND 42.pdf\\\">Guidelines for debt counsellors on the submission of forms 41 and 42<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/GUIDELINE FOR THE DIGITAL SERVICE AND DELIVERY OF NOTICES AND DOCUMENTS.pdf\\\">Guideline for the digital service and delivery of notices and documents under the national credit act 34 of 2005 (\\u201cthe nca\\u201d)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/27 May 2021-Debt Withdrawal  review.pdf\\\">NCR debt review withdrawal guidelines 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines For Standard Court Order03.pdf\\\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Annexure A- Standardized Court Order Template.pdf\\\">Annexure A- Standardized Court Order Template<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-13 14:08:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-13 14:06:21\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"66679\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1496,47,1,'','2023-11-13 14:11:57',915,3720,'61eb2ea7c44bfdcc561414b68d3b719259e89068','{\"id\":47,\"asset_id\":\"161\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"text-align: center;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<th>Position<\\/th>\\r\\n<th>Closing Date<\\/th>\\r\\n<th>Download<\\/th>\\r\\n<th>Email<\\/th>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Credit Bureau Project Consultant (Re-Advertisement) 24-months contract (Contract limited to 8 hours a week)\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">13 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Advert - Credit Bureau Project Consultant November.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:EST-Recruitment@ncr.org.za\\\">EST-Recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Desktop Technician\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">14 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Desktop Technician advert Nov 2023_1.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:COM-recruitment@ncr.org.za\\\">COM-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"text-align: center;\\\">Manager: Investigations and Enforcement\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">15 November 2023\\u00a0<\\/td>\\r\\n<td style=\\\"text-align: center;\\\">\\u00a0<a href=\\\"documents\\/careers\\/Manager Investigations and Enforcement  advert Nov 2023.pdf\\\">download<\\/a><\\/td>\\r\\n<td style=\\\"text-align: center;\\\"><a href=\\\"mailto:COM-recruitment@ncr.org.za\\\">COM-recruitment@ncr.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"16\",\"created\":\"2019-04-11 15:16:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-13 14:11:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-13 14:11:01\",\"publish_up\":\"2019-04-11 15:16:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":387,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"199129\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1497,47,1,'','2023-11-16 08:22:53',915,2332,'117efb98be4064f9ef7d8702b7609f765222bf05','{\"id\":47,\"asset_id\":\"161\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"text-align: center;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<th>Position<\\/th>\\r\\n<th>Closing Date<\\/th>\\r\\n<th>Download<\\/th>\\r\\n<th>Email<\\/th>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"16\",\"created\":\"2019-04-11 15:16:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-16 08:22:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-16 08:22:28\",\"publish_up\":\"2019-04-11 15:16:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":388,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"199648\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1498,47,1,'','2023-11-16 13:56:34',915,2622,'120bed06832ad09a62ff5f9bade29a7f42015011','{\"id\":47,\"asset_id\":\"161\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"text-align: center;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<th>Position<\\/th>\\r\\n<th>Closing Date<\\/th>\\r\\n<th>Download<\\/th>\\r\\n<th>Email<\\/th>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Credit Bureau Compliance Officer<\\/td>\\r\\n<td>24 November 2023<\\/td>\\r\\n<td><a href=\\\"documents\\/careers\\/Advert - Credit Bureau Compliance Officer.pdf\\\">download<\\/a><\\/td>\\r\\n<td><a href=\\\"mailto:EST-recruitment@ncr.org.za\\\">EST-recruitment@ncr.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"16\",\"created\":\"2019-04-11 15:16:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-16 13:56:34\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-16 13:56:18\",\"publish_up\":\"2019-04-11 15:16:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":390,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"199711\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1499,25,1,'','2023-11-17 14:11:35',915,30344,'de4b86d9584aa621301c13a92d7e7eb985a3e1c3','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6of 2023- Emoulument Attachment Orders.pdf\\\">Circular 6 of 2023 - Emolument attachment orders and other related matterst<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 05 September 2023.pdf\\\">Circular 5 of 2023 - Impact of extended power supply failure\\/loadshedding to the consumer credit market<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 August 2023.pdf\\\">Circular 4 of 2023 - Notice to registrants: obstructive behaviour during an investigation<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 June 2023 amended.pdf\\\">Circular 3 of 2023 - Annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 2 of 2023- Proposed Fee Stucture SACRRA 28 April.pdf\\\">Circular 2 of 2023 - Request for comments on the recommended fee stucture for fees payable to sacrra<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2023<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2023 -NCR Contact Details April 2023 final.pdf\\\">Circular 1 of 2023 - NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2022-Sale of personal information.pdf\\\">Circular 04 of 2022 - Sale of debt review leads and consumer personal information<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2022 Amendments to Circular 02 of 2022.pdf\\\">Circular 03 of 2022 - Amendment to the provisions of circular 02 of 2022<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\" height=\\\"33\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-17 14:11:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-17 14:07:42\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":69,\"ordering\":\"7\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"69581\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1500,142,1,'','2023-11-21 15:34:45',915,6024,'ae1c159074d12536f5eddcf70eb2e5151c9b9cb1','{\"id\":142,\"asset_id\":300,\"title\":\"NCR - Black Friday\",\"alias\":\"ncr-black-friday\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Afrikaans<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - English<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Ndebele<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Sepedi<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Sesotho<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Swati<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Tsonga<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Tswana<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Venda<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Xhosa<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Zulu<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2023-11-21 15:34:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-21 15:34:45\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2023-11-21 15:34:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1501,142,1,'','2023-11-21 15:35:02',915,6054,'8daa7a98877d4657bdcdaffbf8164ba8cecf621e','{\"id\":142,\"asset_id\":\"300\",\"title\":\"NCR - Black Friday recordings\",\"alias\":\"ncr-black-friday\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Afrikaans<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - English<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Ndebele<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Sepedi<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Sesotho<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Swati<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Tsonga<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Tswana<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Venda<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Xhosa<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Zulu<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2023-11-21 15:34:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-21 15:35:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-21 15:34:45\",\"publish_up\":\"2023-11-21 15:34:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1502,142,1,'','2023-11-21 15:37:04',915,6050,'8d59fc918d88ec544be7bfd26a3b53af4f3493b0','{\"id\":142,\"asset_id\":\"300\",\"title\":\"NCR - Black Friday recordings\",\"alias\":\"ncr-black-friday\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Afrikaans<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - English<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - English.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Ndebele<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Sepedi<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Sesotho<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Swati<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Tsonga<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Tswana<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Venda<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Xhosa<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - English.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Zulu<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2023-11-21 15:34:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-21 15:37:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-21 15:35:02\",\"publish_up\":\"2023-11-21 15:34:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1503,142,1,'','2023-11-21 15:38:27',915,6045,'33af93999389e99ea2ca0729f8871149cb717223','{\"id\":142,\"asset_id\":\"300\",\"title\":\"NCR - Black Friday recordings\",\"alias\":\"ncr-black-friday\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Afrikaans<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - English<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - English.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Ndebele<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Sepedi<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Ndebele.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sepedi.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Sesotho<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Swati<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Tsonga<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Tswana<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Venda<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Xhosa<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - English.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Zulu<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2023-11-21 15:34:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-21 15:38:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-21 15:37:04\",\"publish_up\":\"2023-11-21 15:34:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1504,142,1,'','2023-11-21 15:40:07',915,6036,'770f0d159f27026961af47d55000203f980f5e97','{\"id\":142,\"asset_id\":\"300\",\"title\":\"NCR - Black Friday recordings\",\"alias\":\"ncr-black-friday\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Afrikaans<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - English<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - English.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Ndebele<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Sepedi<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Ndebele.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sepedi.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Sesotho<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Swati<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sesotho.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Swati.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Tsonga<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Tswana<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Tsonga.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Venda<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Xhosa<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - English.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Zulu<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2023-11-21 15:34:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-21 15:40:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-21 15:38:27\",\"publish_up\":\"2023-11-21 15:34:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1505,142,1,'','2023-11-21 15:42:21',915,6022,'4cc51a95462f7b57a3103817e7b59009bdca5638','{\"id\":142,\"asset_id\":\"300\",\"title\":\"NCR - Black Friday recordings\",\"alias\":\"ncr-black-friday\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Afrikaans<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - English<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - English.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Ndebele<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Sepedi<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Ndebele.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sepedi.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Sesotho<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Swati<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sesotho.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Swati.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Tsonga<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Tswana<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Tsonga.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Tswana.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Venda<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Xhosa<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Venda.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Xhosa.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Zulu<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Zulu.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2023-11-21 15:34:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-21 15:42:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-21 15:40:07\",\"publish_up\":\"2023-11-21 15:34:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1506,142,1,'','2023-11-21 15:42:42',915,6023,'595f496f8a725dfc6de965a84749eb21bbd74021','{\"id\":142,\"asset_id\":\"300\",\"title\":\"NCR - Black Friday recordings\",\"alias\":\"ncr-black-friday\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Afrikaans<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - English<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - English.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Ndebele<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Sepedi<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Ndebele.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sepedi.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Sesotho<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Swati<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sesotho.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Swati.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Tsonga<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Tswana<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Tsonga.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Tswana.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Venda<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Xhosa<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Venda.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Xhosa.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Zulu<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Zulu.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2023-11-21 15:34:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-21 15:42:42\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-21 15:42:35\",\"publish_up\":\"2023-11-21 15:34:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1507,142,1,'','2023-11-21 15:44:41',915,6023,'7d8e11eae54e449a95e398a68dfa1e602d26ce79','{\"id\":142,\"asset_id\":\"300\",\"title\":\"NCR - Black Friday recordings\",\"alias\":\"ncr-black-friday\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Afrikaans<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - English<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - English.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Ndebele<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Sepedi<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Ndebele.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sepedi.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Sesotho<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Swati<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sesotho.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Swati.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Tsonga<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Tswana<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Tsonga.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Tswana.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Venda<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Xhosa<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Venda.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Xhosa.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Zulu<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Zulu.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2023-11-21 15:34:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-21 15:44:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-21 15:44:35\",\"publish_up\":\"2023-11-21 15:34:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1508,142,1,'','2023-11-21 15:56:34',915,6018,'2adab9fd5a65e11573f98827a71ca38d6420a85b','{\"id\":142,\"asset_id\":\"300\",\"title\":\"Black Friday recordings\",\"alias\":\"ncr-black-friday\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Afrikaans<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - English<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Afrikaans.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - English.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Ndebele<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Sepedi<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Ndebele.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sepedi.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Sesotho<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Swati<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Sesotho.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Swati.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Tsonga<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Tswana<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Tsonga.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Tswana.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Venda<\\/strong><\\/td>\\r\\n<td><strong>NCR - Black Friday - Xhosa<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Venda.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Xhosa.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR - Black Friday - Zulu<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/videos\\/NCR - Black Friday - Zulu.mp3\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/videos\\/black_friday_2023.jpg\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view <\\/a><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2023-11-21 15:34:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-21 15:56:34\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-21 15:56:27\",\"publish_up\":\"2023-11-21 15:34:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"7\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1509,47,1,'','2023-11-27 07:03:43',915,2430,'fd7373844a01c5c4d0d862e4b574c592f81c2aca','{\"id\":47,\"asset_id\":\"161\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"text-align: center;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">Please find the attached internal advertisement for vacant positions within the NCR. Should you wish to apply, please forward a detailed CV accompanied by a covering letter, quoting the relevant reference number to the relevant email address<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<th>Position<\\/th>\\r\\n<th>Closing Date<\\/th>\\r\\n<th>Download<\\/th>\\r\\n<th>Email<\\/th>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"16\",\"created\":\"2019-04-11 15:16:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-27 07:03:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-27 07:03:21\",\"publish_up\":\"2019-04-11 15:16:17\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":391,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"203216\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1510,19,1,'','2023-11-29 08:00:11',915,4872,'7a8db1392415b1c211fd46be80a9a34302f31c3e','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Complaints\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<h5>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/h5>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department amended.pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=95&amp;catid=14\\\">Click here to view - Success Stories <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-29 08:00:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-29 07:58:56\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":48,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"55335\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1511,91,1,'','2023-11-29 08:30:25',915,2620,'939e33a18ba935684a2bfb9b611bf1ad1c0ebe5f','{\"id\":91,\"asset_id\":\"229\",\"title\":\"Complaints that fall outside the NCR\\u2019s mandate\",\"alias\":\"complaints-that-fall-outside-the-ncr-s-mandate\",\"introtext\":\"<p><strong>We cannot assist if your complaint involves:\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Service agreements, e.g. Vodacom, MTN, \\u00a0Levies, Municipal accounts, gym etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process.<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators.<\\/li>\\r\\n<li>Complaints relating to damaged goods, these should be sent to the National Consumer Commission or Motor \\u00a0Vehicle Ombudsman for vehicles.\\u00a0<\\/li>\\r\\n<li>Debit orders going off on the wrong dates.\\u00a0<\\/li>\\r\\n<li>Complaints against timeshare companies<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:13:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2023-11-29 08:30:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2023-11-29 08:29:54\",\"publish_up\":\"2020-09-12 14:13:24\",\"publish_down\":\"0000-00-00 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08:28:12',915,2637,'a8097dde82cb459b8b6982fcd28f7e184653bc45','{\"id\":47,\"asset_id\":\"161\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"text-align: center;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"4\\\" align=\\\"center\\\">Please find the attached internal advertisement for vacant positions within the NCR. 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